Commercial Lending Associate

Central Bancompany • Osage Beach, MO

2d • Onsite

About The Position

The Commercial Lending Associate is a key member of the Commercial Banking team, providing portfolio management, customer relationship support, loan administration, and credit analysis assistance to Commercial Loan Officers. The position coordinates loan renewals, assists with loan closings, collects and reviews borrower documentation, helps maintain portfolio quality, and supports underwriting for new and existing credit relationships. It is designed to enhance client service and portfolio administration while providing a developmental path toward a Commercial Loan Officer or Portfolio Manager position.

The role includes monitoring loan maturities, financial reporting requirements, borrowing base reports, covenant compliance, and documentation exceptions; coordinating reviews and credit monitoring; supporting customer communications and loan servicing; and assisting with renewals, modifications, closings, credit analysis, reporting, audits, and compliance. The associate follows bank procedures, documentation standards, regulatory requirements, Bank Secrecy Act requirements, and information security standards. This position has no direct supervisory responsibilities.

Requirements

• One to three years of banking, commercial lending, credit analysis, accounting, finance, business operations, or related experience is preferred; equivalent combinations of education, training, and directly related experience may be considered.
• Basic understanding of commercial lending principles, financial statement analysis, cash flow analysis, and credit risk assessment.
• Strong analytical, organizational, and problem-solving skills.
• Ability to interpret financial statements, tax returns, and supporting borrower documentation.
• Effective verbal and written communication skills.
• Strong customer service and relationship management abilities.
• Ability to manage multiple priorities and meet deadlines.
• Proficiency with Microsoft Office applications, including Excel, Word, and Outlook.
• Ability to learn and effectively use commercial lending and portfolio management systems.
• Regular and reliable attendance and punctuality.
• Ability to perform the essential functions of the position with or without reasonable accommodation.

Nice To Haves

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, Agriculture Business, or a related field preferred.
• One to three years of banking, commercial lending, credit analysis, accounting, finance, business operations, or related experience preferred.

Responsibilities

• Assist Commercial Loan Officers with ongoing management of commercial loan portfolios.
• Monitor loan maturities, financial reporting requirements, borrowing base reports, covenant compliance, and documentation exceptions.
• Coordinate annual reviews and periodic credit monitoring activities.
• Identify upcoming renewal, modification, and servicing needs and communicate them proactively.
• Help ensure loans comply with bank policy, approval requirements, and applicable regulations.
• Coordinate with Loan Servicing on commercial customer inquiries and servicing requests.
• Develop and maintain professional relationships with commercial clients.
• Coordinate communication among borrowers, Commercial Loan Officers, Credit Administration, Loan Operations, and other bank departments.
• Assist customers with documentation requests, loan maintenance matters, and closing requirements.
• Support Commercial Loan Officers in managing and expanding customer relationships.
• Obtain updated financial statements, tax returns, rent rolls, organizational documents, and other required borrower information.
• Assist with preparation of loan renewal and modification requests.
• Review borrower documentation for completeness, consistency, and accuracy.
• Track maturing loans and help ensure renewal packages are completed before maturity.
• Coordinate with Credit Administration and Loan Operations throughout the approval and documentation process.
• Assist with collecting and organizing required due diligence and closing documentation.
• Coordinate with commercial loan processing to monitor outstanding conditions and documentation items related to commercial loan closings.
• Confirm required documentation is received and submitted before funding.
• Assist in resolving documentation deficiencies and post-closing exceptions.
• Analyze business and personal financial statements, tax returns, and supporting financial information.
• Prepare financial spreads, trend analyses, and borrower or guarantor summaries.
• Assist with cash flow analysis, debt service coverage calculations, global cash flow analysis, and collateral evaluations.
• Support preparation of credit approval requests, annual reviews, and relationship summaries.
• Work with Commercial Loan Officers and Credit Administration to evaluate creditworthiness, repayment capacity, and overall relationship risk.
• Maintain accurate loan, customer, and relationship records.
• Assist with portfolio reporting, exception tracking, and management information requests.
• Support internal audits, compliance examinations, and loan review activities.
• Follow established documentation standards, bank procedures, and regulatory requirements, including applicable Bank Secrecy Act and information security requirements.
• Perform other duties as assigned or as needed.
• Maintain regular and reliable attendance and punctuality.
• Perform the essential functions of the position with or without reasonable accommodation.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level