Credit Analyst

HOMEBANK; O’Fallon (MO); On-site; USD 42,000 - 62,000; Full time

Job summary

HOMEBANK is seeking an entry-level credit analyst to support the process of evaluating lending risk. You will review financial statements, tax returns, and internal data to prepare loan proposals while supporting property evaluations and asset inspections.

The role involves assisting in gathering documentation, maintaining files, and learning bank systems, with initial training in Palmyra, MO and subsequent work from the Lake St Louis Branch.

Qualifications

• Math aptitude and problem solving are essential.
• Strong written and verbal communication skills.
• Above-average computer skills with proficiency in spreadsheets (Excel).
• Self-motivated, able to work in a fast-paced environment and maintain a strong work ethic.

Responsibilities

• Assist the credit analyst in preparing loan proposals.
• Conduct entry-level financial data analysis from tax returns and financial statements to assess risk.
• Consolidate financial data to calculate coverage capacity.
• Read maps, legal descriptions, and addresses to locate properties (Maps, GIS, Plat Maps).
• Track land and machinery sales and perform annual valuations on equipment lines.
• Assist in curing loan exceptions under supervision.

Skills

Reading maps and legal descriptions

Math aptitude

Problem solving

Written and verbal communication

Spreadsheets proficiency

Self-motivated

Fast-paced work style

Strong work ethic

Tools

Excel

Job description

Initial training will occur in Palmyra, MO, then this position will work out of our Lake St Louis Branch.Prepare internal evaluations, construction inspections, criticized asset inspectionsMonitoring floor plansAssist the credit analyst in the process of preparing loan proposals.Perform entry-level analysis of financial data, including tax returns and financial statements, of individuals or firms to determine the degree of risk involved in extending credit or lending money. Consolidate financial data to calculate global coverage capacity.Ability to read maps, legal descriptions, and addresses to locate different properties (Google Maps, Agridata, GIS, Plat Maps)Track land and machinery sales, and perform annual valuations on equipment linesOrder commercial and ag appraisalsExamine files as directed for adequacy of documentation and/or deficiencies.Assist credit analyst with request for yearly financials and required documentation.Become familiar with location of files, documents, and bank systems (CSI, Document Imaging, S Drive)Assist in curing loan exceptions at the direction of the credit analystKeep informed of new programs, services, and accounts offered by bank.EducationAbove average math aptitude & problem solving skillsAbove average computer skills with exceptional proficiency with spreadsheets.Strong written and verbal communication skillsJob RequirementsSelf-motivated individual with ability to work in a fast paced environmentStrong work ethic with desire to succeed