Credit Monitoring Analyst

Regent Bank • Springfield, MO

4d

About The Position

The Credit Monitoring Analyst supports ongoing monitoring of commercial credit relationships, primarily through covenant testing and annual relationship reviews. The role helps ensure that existing credit relationships are reviewed accurately and on time by analyzing borrower financial information, identifying potential covenant exceptions or credit concerns, and preparing documentation needed for relationship monitoring.

The analyst supports loan officers and commercial officers through financial statement spreading, analysis of existing relationships, and preparation of monitoring documentation. The position also requires compliance with bank policies, laws, regulations, internal procedures, and controls, as well as reporting known violations and suspicious customer or account activity.

The work is generally performed in comfortable conditions with minimal exposure to noise, heat, dust, and similar factors. Employees are expected to maintain a neat and safe work area. Regent Bank is an Equal Opportunity Employer.

Requirements

• Bachelor’s degree in business management, finance, economics, or accounting.
• One to four years of banking experience.
• Functional to proficient knowledge of Microsoft Office applications, including Excel, Word, and PowerPoint.
• Ability to analyze financial data and translate results into meaningful information for credit monitoring and relationship review.
• Working knowledge of accounting practices, financial concepts, financial statement analysis, and ratio analysis.
• Strong verbal and written communication skills.
• Strong attention to detail and ability to work under deadline pressure.
• High character, integrity, dependability, professionalism, and work ethic.
• Knowledge of Zoom, Webex, or similar virtual meeting platforms.
• Ability to exert up to 10 pounds of force occasionally and/or a negligible amount of force frequently; occasionally lift and/or move up to 25 pounds; use close vision and adjust focus; and sit for long periods.
• Completion of pre-employment background, credit, and drug screening.

Nice To Haves

• Prior experience with commercial financial statement spreading, covenant tracking or testing, annual reviews, or commercial credit monitoring.
• Experience with Sageworks or similar financial spreading or credit analysis software.

Responsibilities

• Perform covenant testing after receiving borrower financial information by reviewing applicable loan requirements, calculating covenant compliance, documenting results, and identifying potential exceptions or follow-up needs.
• Prepare annual relationship reviews after receiving a complete financial package, including review of financial performance, borrower trends, guarantor or related-party information when applicable, and overall relationship condition.
• Support loan officers and commercial officers through financial statement spreading, analysis of existing credit relationships, and preparation of monitoring-related documentation.
• Review financial information and supporting documents to identify trends, weaknesses, covenant-related concerns, and other potential risk factors for escalation to Credit Management or lending personnel.
• Collaborate with commercial officers, credit analysts, and credit management to ensure required information is complete, accurate, and sufficient for assigned monitoring and support requests.
• Comply with bank policy, laws, regulations, applicable programs, internal procedures, and controls, including completing required compliance training.
• Report known violations of compliance policy, laws, or regulations and report suspicious customer or account activity.
• Perform other duties as assigned.

What This Job Offers

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