Credit Analyst

Table Rock Community Bank; Springfield (MO); In loco; USD 55.000 - 85.000; Tempo pieno

Descrizione del lavoro

Golden Route Operations, LLC in Springfield, MO seeks a Credit Analyst to support the bank’s lending function by analyzing borrower and guarantor financial information and assessing credit risk.

You will spread financial statements, draft credit memos, gather underwriting data for new and renewal requests, and assist senior analysts and lenders in underwriting, while upholding ethics and confidentiality.

Competenze

• Can acquire and apply a working knowledge of bank products and services.
• Follow Bank Code of Conduct and related policies, maintaining integrity and ethical standards.
• Possess strong mathematical skills.
• Can read and write well enough to communicate clearly.
• Uphold confidentiality and customer privacy.
• Remain flexible to unpredictable changes to workflow and schedules.
• Interact and communicate effectively with various types of external and internal customers.
• Display resourcefulness to act independently and recognize situations needing higher intervention

Mansioni

• Spread and analyze borrower & guarantor financial statements and tax returns.
• Calculate liquidity, leverage, profitability, DSCR as applicable, and summarize trends.
• Gather and validate underwriting information for new and renewal requests; identify missing items early and communicate gaps to the lender/credit team.
• Draft and assemble sections of the bank’s credit memorandum, including repayment sources, key strengths/weaknesses, and stated terms for senior review.
• Support collateral and secondary review by summarizing appraisal highlights, lien position, and basic borrowing base information; raise concerns.
• Support portfolio monitoring by maintaining financial reporting and covenant/borrowing base ticklers; document follow-up actions and exceptions per process

Conoscenze

Analytical thinking

Numerical skills

Communication

Attention to detail

Confidentiality

Interpersonal skills

Descrizione del lavoro

• Location 3550 S National,Suite 100,Springfield, MO, 65804,United States
• Job Category Credit, Finance
• Employee Type Full Time - Non-Exempt

Contact information

• Name HR Team
• Phone [phone]

Description

• Spread and analyze borrower & guarantor financial statements and tax returns.
• Calculate key metrics (liquidity, leverage, profitability, DSCR as applicable) and summarize trends and variances for reviewer consideration.
• Gather, organize, and validate required underwriting information for new and renewal requests; identify missing items early and communicate gaps to the lender/credit team.
• Draft and assemble sections of the bank’s credit memorandum, including clear identification of repayment sources, key strengths/weaknesses, and requested terms for senior review.
• Support collateral and secondary support review by summarizing available information (appraisal highlights, lien position, basic borrowing base information if applicable) and elevating concerns/questions.
• Support portfolio monitoring by maintaining financial reporting and covenant/borrowing base ticklers as assigned; document follow-up actions and exceptions per process.

Requirements

• Canacquireandapplyaworkingknowledgeofbankproductsandservices
• FollowBank Code ofConduct and other related policiesand regulations,maintaining integrity, honesty and utmost ethical standards at all times
• Possess strong mathematical skills
• Canreadandwritewellenoughtocommunicateinbothoralandwrittenform
• Possessbasic computer skills
• Uphold confidentiality and customer privacy in all situations
• Remain flexible to withstand unpredictable changes to workflow and schedules
• Interact andcommunicateeffectivelywith varioustypesof externalandinternal customers.
• Displayabilitytoberesourceful,toactindependentlyandtorecognizeunusualsituationsin which higher intervention may be necessary
• Maintainacustomer-focused,helpful,friendlyandpoliteattitudewhileremainingcalmand professional in a variety of circumstances
• Present a conservative, neat and professional appearance in dress and action

Summary

The Credit Analyst supports the Bank’s lending function by assisting in the analysis of financial information, creditworthiness, and risk associated with consumer and commercial loan requests. This role is responsible for preparing accurate and timely credit documentation, spreading financial statements, and supporting senior analysts and lenders in underwriting activities. The Credit Analyst develops foundational credit skills while helping ensure loans are structured in a safe, sound, and compliant manner consistent with the Bank’s policies, regulatory requirements, and commitment to serving our communities.