Entry-Level Credit Analyst: Financials, Appraisals & Risk

Myhomebank; O’Fallon (MO); On-site; USD 50,000 - 65,000; Full time

Job summary

Myhomebank is seeking an entry-level Credit Analyst to support loan evaluations at the Lake St Louis Branch after initial training in Palmyra, MO. You will assist in analyzing financial data, tax returns, and credit files to determine risk and support loan proposals.

You'll work with floor plans and asset inspections, monitor collateral, and help maintain documentation while learning bank systems and programs. This role offers hands-on growth in a community banking environment.

Qualifications

• 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 inspections
• Monitoring floor plans
• Assist 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 lines
• Order commercial and ag appraisals
• Examine 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 analyst
• Keep informed of new programs, services, and accounts offered by bank.

Responsibilities

• Assist 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 lines.
• Order commercial and ag appraisals.
• Examine files as directed for adequacy of documentation and/or deficiencies.
• Assist in curing loan exceptions at the direction of the credit analyst.
• Keep informed of new programs, services, and accounts offered by bank.

Skills

Math aptitude and problem solving

Spreadsheet proficiency

Written and verbal communication

Education

Bachelor's degree

Tools

Excel

Job description

Myhomebank is seeking an entry-level Credit Analyst to support loan evaluations at the Lake St Louis Branch after initial training in Palmyra, MO. You will assist in analyzing financial data, tax returns, and credit files to determine risk and support loan proposals.

You'll work with floor plans and asset inspections, monitor collateral, and help maintain documentation while learning bank systems and programs. This role offers hands-on growth in a community banking environment.