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Central Bank · 5 days ago

Senior Credit Analyst

Springfield, MO

Part-time

Onsite

Senior Level

Central Bank is seeking a Senior Credit Analyst responsible for reviewing loans and ensuring compliance with credit standards and company policies. The role involves conducting investigations and analyses of financial data, preparing reports, and maintaining loan documentation while demonstrating professionalism and customer service.

FinanceFinancial Services

Responsibilities

Conduct investigation and analysis of routine financial data to facilitate the credit extension decision-making process

Use credit reporting services to compile reports regarding the credit history of potential customers

Research and analyze financial statements. Interpret findings and prepare reports of financial position and credit worthiness

Assist with the preparation and presentation to loan committees or customers. May offer opinions regarding financial strength and credit worthiness of customers

Offer opinions regarding financial strength and credit worthiness of customers

Maintain loan documentation files and monitor compliance with terms of loan agreements

Conduct a systematic review of commercial, installment, and mortgage loans to determine adequacy of documentation

Monitor the financial position of established accounts and brings irregularities to the attention of the Credit Department Officer and/or Vice President of Loan Administration

Ensure thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures evidenced by appropriate application of regulations in day-to-day operations

Demonstrate the highest level of professionalism, efficiency and customer service when resolving customer issues

Understand and maintain a thorough knowledge of Central Bank's services, operations, and organization; communicate this understanding to others when appropriate, and refer inquiries and correspondence to the proper department or individual

Complete or attend all required training

Assist others as needed

The position may be assigned other duties and responsibilities and may be assigned work or training at other assigned locations

Qualification

Credit analysisFinancial statement analysisLending regulationsMicrosoft WordMicrosoft ExcelCustomer relationsProblem-solvingOrganizational skillsCommunication skillsTeamwork

Required

Bachelor's degree in Business or an equivalent degree program is preferred, but an equivalent combination of education, training and experience that provides the required knowledge, skills and abilities may be substituted

Ability to analyze financial statement 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

Ability and desire to work as part of a team, and with people of diverse backgrounds

Strong organizational skills and attention to detail

Must be able to work independently, have a great degree of initiative

Willingness to assume additional responsibilities/duties/projects as they arise

Ability to operate office equipment including PC's, calculators, telephones, voice mail, copy and fax machines

Must be proficient with Microsoft Word and Excel

Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form

Regularly required to sit; stand; walk; talk; see and hear

Regularly required to use hands to finger, handle, or feel objects, tools, or controls and reach with hands and arms

Occasionally required to stoop, kneel, or crouch

Frequently lift and/or move up to 20 pounds

Specific vision abilities include close vision

Preferred

12 hours of Accounting courses preferred

Prior business-related experience as a credit analyst or position with advanced analytical skills is preferred

Knowledge of current bank lending procedures and policies, lending regulations (state and federal), lien laws, collection/bankruptcy regulations, and loan documentation preferred