Senior Credit Analyst

1st Advantage Bank; Saint Peters (MO); On-site; USD 80,000 - 110,000; Full time

Job summary

A community-focused bank in Missouri is seeking a Senior Credit Analyst to join their commercial lending team. This role involves analyzing financial statements, preparing credit memos, and managing the loan portfolio to ensure credit quality. Ideal candidates have over 10 years of credit experience and a bachelor's degree in finance or related fields. The position offers a chance to thrive in a supportive community environment while contributing to local businesses' growth.

Qualifications

• 10+ years of commercial credit or lending experience.
• Knowledge of FDIC regulations and community banking credit expectations.
• Experience in a small to midsize community bank preferred.

Responsibilities

• Complete detailed financial statement and tax return analysis.
• Prepare comprehensive credit memos and risk rating recommendations.
• Monitor existing commercial loan portfolio.

Skills

Financial analysis

Cash flow modeling

Attention to detail

Strong work ethic

Education

Bachelor’s degree in Finance, Accounting, Economics, or related field

Tools

Word

Excel

Underwriting software

Job description

Full-Time | On-Site | Missouri-Based Community Bank

Are you an experienced credit professional who thrives in a relationship‑focused, community banking environment? Our growing, locally owned bank is seeking a Senior Credit Analyst to support our commercial lending team and strengthen our credit culture. This role plays a key part in protecting the bank’s portfolio quality while supporting local businesses across the St. Louis region.

Our culture is Community Minded, Technology Driven with a vision to create a unique banking experience for our customers. Join us to help others succeed, grow businesses in our community, choose your own career path, enjoy opportunities to learn and advance and make a meaningful difference!

Key Responsibilities

• Complete detailed financial statement and tax return analysis for commercial and industrial, commercial real estate, agricultural, and consumer credit requests.
• Prepare comprehensive written credit memos and risk rating recommendations.
• Support lenders in structuring loans in compliance with bank policy, FDIC guidelines, and Missouri banking regulations.
• Monitor the existing commercial loan portfolio, including annual reviews, covenant tracking, and early identification of credit deterioration.
• Assist in concentration analysis, stress testing, and other regulatory reporting needs.
• Participate in loan committee discussions and help maintain strong credit administration practices.
• Manage the credit departmentand act as a mentor and resource to junior analysts.

Knowledge/Skills

• High level of accuracy and attention to detail
• Strong work ethic and self-motivated

Required Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or related field.
• 10+ years of commercial credit or lending experience.
• Strong financial analysis and cash flow modeling skills.
• Knowledge of FDIC regulations and community banking credit expectations.
• Proficiency with Word, Excel and underwriting software.

Preferred Qualifications

• Experience in a small to midsize community bank.
• Knowledge of the St. Louis metro commercial market.
• Formal credit training program completion.
• In-office role with minimal local travel
• Professional office environment
• Ability to operate office equipment, including computers, telephones and printers
• Office-based position with occasional remote work flexibility

We are an Equal Opportunity Employer and do not discriminate based on race, color, religion, sex, national origin, age, disability, or any other protected status under applicable federal, state, or local law.