Credit Analyst

Homebank•Ofallon, MO

About The Position

The Credit Analyst supports credit analysis and loan proposal preparation. The role performs entry-level analysis of individuals’ or firms’ financial data, including tax returns and financial statements, to assess lending risk, and consolidates financial data to calculate global coverage capacity. Initial training takes place in Palmyra, Missouri; afterward, the position works out of the Lake St. Louis Branch.

Requirements

Above-average math aptitude and problem-solving skills.
Above-average computer skills, with exceptional proficiency in spreadsheets.
Strong written and verbal communication skills.
Self-motivated, with the ability to work in a fast-paced environment.
Strong work ethic and a desire to succeed.

Responsibilities

Prepare internal evaluations and conduct construction and criticized asset inspections.
Monitor floor plans.
Assist the credit analyst in preparing loan proposals.
Analyze financial data, including tax returns and financial statements, to assess lending risk.
Consolidate financial data to calculate global coverage capacity.
Read maps, legal descriptions, and addresses to locate properties using tools such as Google Maps, Agridata, GIS, and plat maps.
Track land and machinery sales and perform annual valuations on equipment lines.
Order commercial and agricultural appraisals.
Examine files as directed for documentation adequacy and deficiencies.
Assist the credit analyst in requesting yearly financials and required documentation.
Become familiar with file and document locations and bank systems, including CSI, Document Imaging, and S Drive.
Assist with curing loan exceptions at the credit analyst’s direction.
Keep informed about new programs, services, and accounts offered by the bank.