Jr Credit Analyst

The Junior Credit Analyst will provide credit function support to the commercial lending team. As this is an entry level position, the Junior Credit Analyst will be trained and mentored by experienced analysts, while working with commercial loan officers to learn how to properly evaluate the financial strength and risks associated with clients in various industries.  

Primary Responsibilities:

• Input and analyze personal and business financial data into spreading software from various source documents, including personal and business tax returns, personal financial statements, pro forma projections, budgets, audits, and other statements.
• Produce supporting cash flows, property analyses, and accounts receivable aging reports to assist loan officer’s loan presentations.
• Provide detailed financial, project specific, and economic analysis for loan requests to be presented for approval in loan committee, supported using research, critical thinking, problem solving, mathematical and analytical skills. It is the responsibility of the analyst to assess the risks associated with the loan requests and communicate them with the relevant loan officers, and the approving authorities of the bank.
• Learn and apply the Bank’s loan policy and procedures and make recommendations on loan structure to loan officers and loan processors as needed.
• Maintain the software-based tracking system for financial documents, including tax returns, financial statements, borrowing base certificates, and accounts receivable aging documents.  
• Compile, copy, and distribute weekly loan request packets to relevant parties.  
• Record and distribute minutes for weekly loan committee meetings.
• Prepare and present reports on loan utilization and unfunded commitments. 
• Prepare monthly Board Reports and monthly lending metric reports.
• While this is mostly an in-office position, the analyst will have the opportunity to travel to meet with loan officers and clients of the bank as needed.
• Attend industry training provided by the Risk Management Association, Missouri Bankers Association, and/or American Bankers Association to further your skillset and industry knowledge.
• Assist Senior Management with other tasks and duties as assigned.

• Bachelor’s Degree in Accounting, Business, Economics, or Finance preferred, with a solid understanding of accounting principles, related job experience in lieu of a college degree will be considered.   
• An understanding of financial data metrics including balance sheets, income statements, cash flow statements, and ratio analysis.
• Ability to provide accurate and concise financial analysis on projects, clients, and the economy within given deadlines.
• Strong Proficiency with Microsoft Word, and Excel, with the ability to create and maintain detailed financial spreadsheets and documents.  
• Strong written and verbal communication skills.
• The ideal candidate will be a community focused professional who is a self-motivated, hard-working, and intellectually curious person, willing to learn on the job, ask questions, and be able to work independently, with a high level of attention to detail while delivering satisfactory analysis within the established deadlines and interested in starting a career in community banking.