Credit Analyst: Grow with Commercial Banking

Mercantil Commerce Bank; St. Louis, Northern (MO, KY); Hybrid; USD 55,000 - 75,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

401(k)

Paid time off

Education assistance

Job summary

Commerce Bank in St. Louis, MO is seeking a Credit Analyst to analyze commercial credits by evaluating financial statements and key metrics, and to assemble Credit Approval Summary packets for loan committees. You will collaborate with Commercial Banking teams to learn loan structuring and cash flow considerations.

The role emphasizes building skills in financial analysis, documentation review, and cross-functional teamwork within a trusted community bank environment.

Qualifications

• Bachelor’s degree in Finance or Accounting required.
• 1+ year credit or financial analyst experience preferred.
• Strong knowledge of financial statements and key metrics (cashflow, leverage, debt service coverage).

Responsibilities

• Prepare Credit Approval Summary packets (basic to moderate complexity).
• Prepare financial statement spreads and related items as needed.
• Perform basic to moderate financial analysis on diverse industries for loan requests.
• Research loan documentation and navigate bank systems; support loan committee processes.

Skills

Financial analysis

Cash flow

Debt service coverage

Communication skills

Attention to detail

Education

Bachelor’s degree in Finance or Accounting

Accounting coursework (6 credits)

Finance coursework (9 credits)

Tools

Moody’s CreditLens

Microsoft Excel

Microsoft Word

Microsoft Outlook

Job description

Commerce Bank in St. Louis, MO is seeking a Credit Analyst to analyze commercial credits by evaluating financial statements and key metrics, and to assemble Credit Approval Summary packets for loan committees. You will collaborate with Commercial Banking teams to learn loan structuring and cash flow considerations.

The role emphasizes building skills in financial analysis, documentation review, and cross-functional teamwork within a trusted community bank environment.