Vista National Bank & Trust ยท 1 week ago
Credit Specialist - Commercial Lending
Clayton, MO
Full-time
Onsite
Mid, Senior Level
$60K/yr - $75K/yr
2+ years expVista National Bank & Trust is redefining the banking experience through client-first service and modern technology. The Credit Specialist plays a vital role in supporting the bank's commercial lending strategy by providing detailed financial analysis and credit underwriting for loan relationships.
Banking
Responsibilities
Analyze financial statements, tax returns, and cash flow statements for new and existing commercial and consumer clients
Prepare comprehensive credit memorandums, including risk ratings, loan structuring recommendations and collateral evaluations
Compare liquidity, profitability, leverage, and efficiency ratios of establishments being evaluated to borrower performance with equivalent industry, location and market benchmarks
Maintain knowledge of economic, industry and market trends that could impact client creditworthiness and performance
Assist in monitoring and reporting lender and loan exceptions; track collateral positions and identify emerging trends in portfolio risk
Conduct annual credit reviews for key relationships to ensure ongoing credit quality and compliance with bank standards
Maintain current knowledge of internal credit policy, regulatory requirements and best practices in credit risk management
Participate in client and prospect meetings with lending officers, as needed, to better understand borrower needs and risk factors
Contribute to a collaborative, client-focused culture that emphasizes diligence, responsiveness, and accuracy
Qualification
Required
2+ years of experience in commercial credit analysis or commercial banking required
Demonstrated expertise in financial statement analysis and cash flow modeling
Proficiency in Microsoft Excel and financial spreading software; familiarity with banking systems preferred
Solid understanding of regulatory guidelines, credit policy, and lending best practices
Ability to work with and maintain confidential information
Ability to travel to other bank locations or client sites, as needed
Preferred
Bachelor's degree in Finance, Accounting, Economics, or a related field preferred
5+ years of experience in commercial credit analysis or commercial banking preferred
Company
Vista National Bank & Trust
VNBT offers entrepreneurial individuals and businesses customized personal and commercial concierge wealth and trust services, lending solutions, and enhanced digital banking transactions on a national scale.
11-50 employees
Funding
Current Stage
Early StageCompany data provided by crunchbase