Credit Analyst I

First Bank • Creve Coeur, MO

2d • $53,449 - $66,811

About The Position

The Commercial Banking Credit Analyst is the foundational role in commercial credit that involves analyzing information and preparing output to assist with monitoring the performance of the bank's existing credit relationships. The Credit Analyst focus is on development of credit skills along with gaining a working knowledge of credit policy and procedures.

Requirements

• Working knowledge of underwriting principles, credit policy, credit procedures, basic financial analysis, accounting principles, SBA lending, bank products, and applicable regulatory expectations
• General familiarity with commercial loan structures
• Exposure to credit scoring concepts
• Ability to effectively multitask, prioritize work, and meet established deadlines
• Ability to work independently while also collaborating effectively with others
• Effective use of efficient work methods in a production-oriented environment
• Functional analytical, reasoning, and problem-solving skills
• Functional written and verbal communication skills
• Functional organizational and time-management skills
• Ability to identify and mitigate risk with appropriate escalation
• Sound judgment in day-to-day tasks and decision-making
• Self-motivated with the initiative to complete assigned work with minimal supervision
• Ability to function as a team player
• Ability to remain effective in a fast-paced work environment
• Accountability for assigned responsibilities and work outcomes
• Resourcefulness in addressing issues and completing tasks
• Consistent attention to detail
• Bachelor's Degree in business, accounting, finance, or a related field required

Responsibilities

• Spread and analyze financial statements according to bank standards in support of monitoring the existing portfolio
• Assess compliance with financial covenants and borrowing base certificates to monitor existing credit relationships
• Perform credit analysis for non-complex annual client reviews, including the preparation of financial ratios for risk rating evaluation
• Escalate perceived changes in client risk profile
• Participate in training to increase proficiency as part of professional development
• Perform other duties as assigned

What This Job Offers

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