Credit Analyst: Fast-Paced Loan Risk & Analysis

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

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.