Credit Monitoring Analyst: Covenant & Relationship Reviews

Regent Bank; Springfield (MO); On-site; USD 55,000 - 75,000; Full time

Job summary

Regent Bank is seeking a Credit Monitoring Analyst in Springfield, MO to support covenant testing and annual relationship reviews for commercial credits. You will analyze borrower financials and help prepare monitoring documentation to ensure timely, accurate reviews.

Collaborating with loan officers, credit analysts, and Credit Management, you will ensure information is complete and compliant with bank policies and regulations. Strong Excel and credit analysis software experience are essential.

Qualifications

• Bachelor’s degree in business management, finance, economics or accounting.
• 1–4 years of banking experience.
• Experience with commercial financial statement spreading, covenant tracking/testing, annual reviews, or commercial credit monitoring preferred.
• Experience with Sageworks or similar financial spreading/credit analysis software preferred.

Responsibilities

• Perform covenant testing once borrower financial information is received, including reviewing applicable loan requirements, calculating covenant compliance, documenting results, and identifying potential exceptions or follow-up needs.
• Prepare annual relationship reviews once a full financial package has been received, including review of financial performance, borrower trends, guarantor or related-party information when applicable, and overall relationship condition.
• Provide support to loan officers and commercial officers through financial statement spreading, analysis of existing credit relationships, and preparation of monitoring-related documentation.
• Review financial information and supporting documents to identify trends, weaknesses, covenant-related concerns, or other potential risk factors that should be escalated to Credit Management or lending personnel.
• Collaborate with commercial officers, credit analysts, and credit management to ensure required information is complete, accurate, and sufficient to complete assigned monitoring or support requests.
• Understand and comply with bank policy, laws, regulations, and other applicable programs, including completion of required compliance training and adherence to internal procedures and controls.
• Report any known violation of compliance policy, laws, or regulations, and report any suspicious customer and/or account activity.
• Other duties as assigned.

Skills

Financial analysis

Microsoft Office

Communication

Attention to detail

Time management

Analytical thinking

Education

Bachelor’s degree in business management, finance, economics or accounting

Tools

Sageworks

Credit analysis software

Zoom

Webex

Job description

Regent Bank is seeking a Credit Monitoring Analyst in Springfield, MO to support covenant testing and annual relationship reviews for commercial credits. You will analyze borrower financials and help prepare monitoring documentation to ensure timely, accurate reviews.

Collaborating with loan officers, credit analysts, and Credit Management, you will ensure information is complete and compliant with bank policies and regulations. Strong Excel and credit analysis software experience are essential.