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Royal Banks of Missouri · 6 days ago

Junior Credit Analyst

Earth City, MO

Full-time

Onsite

Entry Level

2+ years exp

Royal Banks of Missouri is seeking a Junior Credit Analyst who will be responsible for maintaining and reviewing credit files, preparing various departmental reports, and conducting credit analysis for assigned relationships. The role involves assisting with loan committee meetings, preparing financial analysis, and ensuring the adequacy of credit files and reports.

BankingCommunitiesFinancial ServicesFinTech

Responsibilities

Assists with the coordination of weekly loan committee meetings by preparing PowerPoint presentations, preparing packets for review by the loan committee and loading the presentation on board portal

Responsible for the maintenance of credit files, including scanning and indexing of new and existing files, updating financial ticklers and filing updated financial information in a timely manner

Responsible for assisting with processing for the Business Manager loan product

Assists with the preparation of the loan committee minutes when required

Maintains the loan committee minute books by having the approved minutes signed by an authorized bank officer, placing the minutes in the books and ordering the appropriate book on an annual basis

Assists in the preparation of various weekly, monthly and quarterly reports as assigned including the borrowing base certificate report, the new and renewed loans reports, home equity analysis report, the funding report, the pending report and any other reports deemed appropriate

Responsible for the annual completion of RMA statement studies data submission forms to satisfactorily meet the goals set by RMA

Assists with loan servicing as needed

Completes all financial analysis reviews as assigned and reports results to the appropriate lending officer or department supervisor

Obtains financial information to prepare credit proposals and perform analysis related to a borrowers repayment ability, collateral position, capital structure, and overall solvency

Examines files systematically for adequacy of credit or deficiencies, reports results to the appropriate lending officer as requested and prepares financial request letters or emails based on the identified deficiencies

Prepares written analysis on all large loans, aggregate loan relationships and complex loans

Assists in the preparation of loan rating reviews, watch list presentations, loan loss reserve reviews and exception reports

Researches critical issues and outside forces that could impact existing credit relationships and new loan proposals

Assists in the preparation of real estate evaluations on residential real estate

Monitors maturing and matured loan reports for opportunities to assist loan officers

Responsible for joining relationship managers on client calls and meetings when financial analysis requires additional data or answers

Assists external auditors with their examination and maintains ongoing communication to increase efficiency

Responsible for assisting management with the preparation of responses to examination reports

Responsible for being knowledgeable with regard to various credit enhancement programs such as the Small Business Administration and Business Development Fund programs

Assists bank management with issues that arise with other real estate owned

Maintains technical knowledge and skills by reading regulatory materials and banking publications and attending seminars or other job related courses

Qualification

Financial analysisCredit analysisMicrosoft ExcelMicrosoft PowerPointCSI NuPointProfessionalismPrioritizationTime managementOral communicationWritten communication

Required

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations

Ability to write reports, business correspondence, and procedure manuals

Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public

Ability to work with mathematical concepts such as probability and statistical inference

Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations

Ability to define problems, collect data, establish facts, and draw valid conclusions

Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables

Knowledge of Microsoft Word; Microsoft Excel; Microsoft Access; Microsoft Outlook; Microsoft PowerPoint; Microsoft Access

Bachelor's degree (B. A. / B. S.) from four-year college or university; or two to four years related experience and/or training; or equivalent combination of education and experience

Degree or education should include the completion of a financial and managerial accounting courses and finance courses

Time management

Oral communication skills

Written communication skills

Professionalism

Ability to prioritize based on numerous factors