Credit Analyst

Summary: The Credit Analyst is responsible for assisting the Loan Officers in the underwriting and preparation of loan requests for the Commercial Loan Department. Duties also include monitoring borrower financial information, including project performance, covenant compliance, delinquencies, maturities, and providing accurate assessments of ongoing project conditions financial stability.

Full-Time Position | Availability: Monday – Friday 8:00am – 5:00pm | Springfield, MO

Essential Job Functions

• Demonstrate Legacy Bank and Trust corporate values in all situations and interactions.

• Underwrite and prepare loan proposals for loan committee discussion.

• Review and produce renewal and modifications to existing credits.

• Periodically assist with loan reviews / annual cash flows of borrowers.

• Assist with the updating and annual maintenance of loan files to ensure the most current financial information has been obtained.

• Help coordinate various credit functions for the bank such as preparation for loan committee and upcoming regulatory exams.

• Assist with the proposal and closing of all government guaranteed loan programs.

• All tax credit underwriting related action including compliance support.

• Handling new customer loan requests from taking applications to closing the loan.

• Assisting the borrower in determining the proper type of loan, assisting in completing the loan application and gathering the necessary paperwork, including pay stubs, tax returns and bank statements, to begin the loan process.

• Monitor and manage current customer loans to ensure adherence with the bank’s loan policy, federal laws, and other requirements as necessary.

• Regularly attend and present information as necessary at all loan meetings as requirement by management.

• Be a part of the respective business community in which the bank serves.

• Assist in various portfolio scrubs for stress testing on a quarterly basis.

• Review maturing loan list monthly.

• Complete all required training as well as ABA assigned courses.

• All other loan operations and processing duties as assigned.

Knowledge, Skills, Abilities, Competencies

• Confidentiality

• Excellent verbal skills

• The ability to handle multiple functions at the same time

• Quick, independent decision-making skills

• Positive attitude and highly motivated

• Microsoft Word, Excel, and Outlook experience

Education and Experience

• High school diploma or equivalent, college degree preferred.

• Prior experience as a credit analyst is required.

Physical Requirements

Onsite Position

• Seeing: Must be able to see well enough to see computer screen and read documents (75-100% of work time spent on activity).

• Hearing: Must be able to hear well enough to communicate with customers, vendors, and employees (75-100% of work time spent on activity).

• Sitting: Must be able to sit for long periods of time (50-74% of work time spent on activity).

• Standing/Walking: Must be able to move about office (25-49% of work time spent on activity).

• Climbing/Stooping/Kneeling: Must be able to stoop or kneel to pick up paper products or materials (0-24% of work time spent on activity).

• Lifting/Pulling/Pushing: Must be able to lift up to 10 pounds (0-24% of work time spent on activity).

• Grasping/Feeling: Must be able to write, type and use technical equipment (75-100% of work time spent on activity).

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Benefits

• 401(k)

• 401(k) matching

• Dental insurance

• Flexible spending account

• Health insurance

• Life insurance

• Paid time off

• Vision insurance

The statements herein are intended to describe the general nature and level of work being performed but are not to be seen as a complete list of responsibilities, duties, and skills required of personnel so classified. Also, they do not establish a contract for employment and are subject to change at the discretion of the employer.

Legacy Bank and Trust is an Equal Opportunity Employer.