Commercial Lending Associate

CENTRAL BANCOMPANY, INC.•Osage Beach, MO

3d•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, maintains 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 supports the ongoing management of commercial loan portfolios; monitors maturities, financial reporting, borrowing base reports, covenant compliance, and documentation exceptions; and assists with annual reviews and credit monitoring. It also coordinates customer inquiries and servicing requests, supports borrower communications and loan maintenance, and helps prepare renewals, modifications, and closing documentation. The associate analyzes business and personal financial information, prepares financial spreads and summaries, and assists with cash flow, debt service coverage, global cash flow, and collateral analyses. The position also maintains accurate loan and customer records, assists with portfolio reporting and exception tracking, supports audits and compliance reviews, and follows bank procedures and applicable regulatory requirements, including Bank Secrecy Act and information security requirements. This position has no direct supervisory responsibilities. It is primarily performed in an on-site banking office, with frequent interaction with customers, lenders, and internal departments. Occasional travel to customer locations, training sessions, community events, or other bank facilities may be required.

Requirements

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.
One to three years of banking, commercial lending, credit analysis, accounting, finance, business operations, or related experience.
Equivalent combinations of education, training, and directly related experience may be considered.

Responsibilities

Assist Commercial Loan Officers with the 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 regarding 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 during the approval and documentation process.
Assist with collecting and organizing 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.
Comply with applicable banking regulations, including Bank Secrecy Act requirements and information security standards.
Perform other duties as assigned or as needed.