Credit Analyst II

Regent Bank • St. Louis, MO

6h

About The Position

The Credit Analyst II analyzes commercial and business loans, using and maintaining Regent Bank’s system to spread and analyze borrowers’ financial statements. The role supports Commercial Officers with existing relationships and the review of new business loan offerings. It prepares financial, summary, forecast, and Board reports; assesses credit risk and borrowers’ creditworthiness and repayment ability; and collaborates with officers and customers on credit memorandums, modification requests, annual reviews, and compliance certificates. The analyst also identifies potential issues through research, supports fellow credit analysts, and helps ensure compliance with bank policies, laws, regulations, and internal procedures. Other duties may be assigned.

The position requires a bachelor’s degree in business management, finance, economics, or accounting and three to five years of banking experience. Candidates must complete pre-employment background, credit, and drug screenings. Work conditions are generally comfortable, with minimal exposure to noise, heat, dust, and similar conditions; employees are expected to maintain a neat and safe work area. The role involves extended periods of sitting, occasional exertion of up to 10 pounds of force, occasional lifting or moving of up to 25 pounds, and close vision and focus adjustment.

Requirements

• Bachelor’s degree in business management, finance, economics, or accounting.
• Three to five years of banking experience.
• Proficiency in Microsoft Office applications, including Excel, Word, and PowerPoint.
• Ability to analyze data and translate it into meaningful information.
• Strong verbal and written communication skills.
• Proficiency in accounting practices, financial concepts, and ratio analysis.
• Attention to detail and ability to work under deadline pressure.
• Knowledge of Zoom or Webex meetings.
• Basic knowledge of accounting and finance principles.
• High character, integrity, dependability, professionalism, and work ethic.
• Complete pre-employment background, credit, and drug screening.
• Must occasionally exert up to 10 pounds of force and/or frequently exert a negligible amount of force.
• Must occasionally lift and/or move up to 25 pounds.
• Close vision and ability to adjust focus.
• Ability to sit for long periods.

Responsibilities

• Prepare financial reports for the commercial banking department.
• Prepare summary reports, present facts, offer recommendations, and assess risk associated with commercial loans.
• Recommend actions based on analysis of creditworthiness and customers’ ability to repay loans.
• Collaborate with Commercial Officers and customers on credit memorandums, modification requests, annual reviews, compliance certificates, and related materials.
• Prepare forecast reports to manage expectations and help assess how relevant industries may perform during the next fiscal year.
• Alert senior management to potential issues identified through required analytical research.
• Prepare monthly, quarterly, and yearly Board Reports for the lending department.
• Understand and comply with bank policy, laws, regulations, applicable programs, internal procedures, and controls, including completing up-to-date compliance training.
• Report known violations of compliance policy, laws, or regulations and suspicious customer or account activity.
• Assist other credit analysts with daily duties to ensure proper support of the Commercial Credit Manager.
• Perform other duties as assigned.

What This Job Offers

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