12 Credit Analyst I Jobs in St. Louis, MO
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Lutheran Church Extension Fund is Hiring a Credit Analyst I Near St. Louis, MO
The primary mission of Lutheran Church Extension Fund (LCEF) is to provide financial resources and related services for ministry, witness, and outreach of The Lutheran Church – Missouri Synod (LCMS). In so doing it shall raise funds primarily through the issuance of corporate notes and other debt instruments. Its assets shall be used exclusively for the following: To provide financing and services for the acquisition of sites; the construction of facilities; the purchase of buildings and equipment; operating expenses; professional church worker education; the residential housing needs of professional church workers; and other purposes approved by its governing board consistent with the ministry and mission of the Synod under policies approved by the Board of Directors of the Synod.
Reporting Relationship
Credit Analyst I reports to the Credit Manager.
Summary
The Credit Analyst I is responsible for underwriting and evaluating commercial credit requests from new and existing customers, including Loan Resolution Group restructures/refinances. Underwriting will include financial and credit risk analysis with a concentration on cash flow, collateral evaluation, market data interpretation and identification of key risks and mitigants.
Essential Job Functions
- Ability to complete financial statement spreads, testing and monitoring borrower compliance with financial covenants and borrowing bases.
- Responsible for monitoring and collecting covenants and financial requirements for all organizational borrowers.
- Assist with ongoing monitoring of the loan portfolio.
- Ensure criteria conform with LCEF’s policies and lending criteria.
- Confer with potential borrowers or Relationship Managers to verify financial/underwriting criteria.
- Respond to inquiries from borrowers and Relationship Managers.
- Enter financial statements into LoanVantage for all borrowers and assist with data entry on new loan requests.
- Assist with entering collateral information into LoanVantage for all borrowers on new loan requests.
- Assist with testing releases/upgrades of core systems related to credit department and/or annual review updates.
- Provide support and assistance as needed for internal and external audits.
- Prepare credit analysis and loan request summaries detailing risk degree, loan structure and approval recommendations.
- Assist with annual credit reviews for all borrowers.
- Assist with follow up on delinquent loan accounts.
- Assist with special projects and management reports.
- Assist with all other assignments or projects, as required.
- Complies with revisions made from time to time, after mutual consultation in position description.
- Bachelor's degree in finance, accounting, business administration, or related field, preferred.
- Two years of progressive experience as a credit or financial analyst.
- Formal credit training, preferred.
- Residential lending experience, preferred.
- High level of integrity and customer oriented.
- Strong mathematical and analytical skills.
- Proficient with Microsoft Office and ability to learn, understand, and apply new technologies. Ability to learn proprietary and non-proprietary software applications.
- Knowledge of generally accepted accounting principles.
- Ability to read a financial statement.
- Use of logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
- Critical thinking and reasoning skills. Ability to assess, evaluate and provide sound judgment in carrying out duties. Understands business implications of decisions.
- Strong organizational skills with the ability to prioritize and multi-task. Detail oriented with high degree of accuracy.
- Results-driven with the ability to work well under pressure and under tight deadlines, and with minimal supervision.
- Ability and desire to establish and maintain effective interpersonal relationships. Collaborative and team mindset that establishes favorable relationships with internal and external customers.
- Energized by change and welcomes new opportunities. Quickly learns and adapts to change.
- Outstanding communication skills, both written and verbal. Ability to provide clear direction and feedback, and can communicate effectively with various audiences and all levels of the organization.
- Seeks self-development opportunities. Cooperates and participates fully in the coaching process, and actively seeks continuous learning to improve personal and team performance.
- Ability to work a flexible, hybrid schedule.
This position does not have supervisory responsibilities.
Job Summary
Full Time
$48k-61k (estimate)
01/22/2024
05/07/2024
lcefonline.org
Saint Louis, MO
<25
Related Companies
The job skills required for Credit Analyst I include Analysis, Financial Statements, Accounting, Underwriting, Credit Risk, Microsoft Office, etc. Having related job skills and expertise will give you an advantage when applying to be a Credit Analyst I. That makes you unique and can impact how much salary you can get paid. Below are job openings related to skills required by Credit Analyst I. Select any job title you are interested in and start to search job requirements.
The following is the career advancement route for Credit Analyst I positions, which can be used as a reference in future career path planning. As a Credit Analyst I, it can be promoted into senior positions as a Credit Analyst II that are expected to handle more key tasks, people in this role will get a higher salary paid than an ordinary Credit Analyst I. You can explore the career advancement for a Credit Analyst I below and select your interested title to get hiring information.
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