Strategic Commercial Credit Analyst

Central-Bank-c44c5195; O’Fallon (MO); On-site; USD 55,000 - 75,000; Full time

Job summary

Central Bank in Missouri seeks a Commercial Loan Credit Analyst to review loans for credit standards and policy conformance. You will accompany officers on customer visits and analyze diverse credit data for commercial loans, preparing reports for loan officers and committees.

You will maintain loan files and ensure compliance with loan terms and regulatory requirements. Ideal candidates will analyze financial statements, assess risk, and contribute to credit decisions with judgement and

Qualifications

• Bachelor's degree in business or an equivalent degree program.
• Minimum 1 year business-related experience as a commercial loan credit analyst or position with advanced analytical skills is required.
• Knowledge of current bank lending procedures and policies, lending regulations (state and federal), lien laws, collection/bankruptcy regulations, and loan documentation preferred.
• Ability to analyze financial statements and loan risk.
• Possess good judgment skills. Ability to make decisions within prescribed guidelines, research and solve problems, handle confidential information, and manage multiple tasks.
• Ability to read, write, and speak English.
• Excellent verbal, listening and communication skills. Strong customer relations skills and ability to work with employees and customers in a cooperative manner.
• Strong organizational skills and attention to detail. Must be able to work independently, have a great degree of initiative.

Responsibilities

• Review loans to ensure acceptable credit standards and policy conformance.
• Accompany officers calling on customers when requested.
• Develop and analyze credit information for various commercial loans and prepare credit reports for loan officers and committees.
• Conduct investigation and analysis of routine financial data to facilitate credit decisions.
• Use credit reporting services to compile reports regarding customer credit histories.
• Interpret financial statements and prepare reports on financial position and creditworthiness.
• Assist with preparation and presentation to loan committees; may offer opinions on financial strength and creditworthiness.
• Maintain loan documentation files and monitor compliance with loan agreements.
• Conduct systematic reviews of commercial loans to determine documentation adequacy.
• Monitor financial position of established accounts and flag irregularities to management.

Skills

Financial analysis

Credit analysis

Communication skills

Teamwork

Attention to detail

English proficiency

Education

Bachelor's degree in business or equivalent

Tools

Microsoft Word

Excel

Job description

Central Bank in Missouri seeks a Commercial Loan Credit Analyst to review loans for credit standards and policy conformance. You will accompany officers on customer visits and analyze diverse credit data for commercial loans, preparing reports for loan officers and committees.

You will maintain loan files and ensure compliance with loan terms and regulatory requirements. Ideal candidates will analyze financial statements, assess risk, and contribute to credit decisions with judgement and