Credit Analyst at CENTRAL BANCOMPANY, INC.

Jefferson City, Missouri, United States -

Full Time

Start Date

Immediate

Expiry Date

06 Mar, 26

Salary

0.0

Posted On

06 Dec, 25

Experience

0 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Financial Analysis, Loan Documentation, Credit Review, Compliance Procedures, Communication Skills, Customer Service, Organizational Skills, Time Management, Analytical Skills, Problem-Solving, Attention to Detail, Word Processing, Spreadsheet Software, Appraisal Process, Auditing, Regulatory Knowledge

Industry

Banking

Description

Preparation of various loan system reports, including those that are submitted to the Board of Directors on a monthly basis. Preparation of technical exception reports, non-conforming loan reports, etc., for the eventual benefit of loan officers and Board of Directors. Responsible for completing financial analysis reviews assigned and loan proposals. Follow-up to ensure timely responses to the recommendations and the resolution and/or implementation of the same. Responsible for the entering of financial statement tracking, which includes entering information into the tracking system and also into the CASH software. This includes spreading all financial statements when they are received. Monitor credit files to ensure adequacy of documentation and timeliness of financial statements. Generate letters on a timely basis requesting current financial statements from customers. Review all downgraded loans to ensure we have proper real estate valuations in each file. Order re-evaluations as deemed necessary. Review and update loan documentation as required in loan policies and bank regulations. Keep abreast of changes in regulation and procedures that affect loan documentation and compliance. Assist with the appraisal process; including but not limited to; ordering appraisals, reviewing appraisals, and maintaining communication between bank and vendors. Perform various compliance related audits and projects as assigned. Attend training sessions to learn about the regulations that pertain to commercial loans and train other commercial loan personnel about the changes in regulations as they occur. Examine files systematically for adequacy of credit and/or deficiencies and report examination results to the supervisor, other officers or management as requested. Assist external and internal auditors in their reviews. Provide support to commercial lending staff and officers as needed. Qualifications Knowledge, skill and mental development equivalent to the completion of a bachelors degree (in the field of business), which includes specific courses in accounting and finance. One year of bank audit experience and knowledge of bank credit review, audit and/or compliance procedures and policies. Strong computer software knowledge of and skills and experience with word processing and spreadsheet software, preferably Word and Excel. Good verbal communication skills as evidenced by the ability to interact both face-to-face and over the telephone with examiners, consultants, auditors, customers and co-workers. Demonstrated ability to use tact, diplomacy, and a professional personal appearance, when dealing with examiners, consultants, auditors, customers and co-workers. Ability to manage multiple tasks simultaneously in a fast-paced environment. Strong customer service and relations skills. Creativity and initiative. Organizational and time management skills. Analytical and problem-solving abilities. Good written communication skills. Good proof reading and editing skills. Accuracy and attention to detail. This position is eligible for a $500 referral bonus.

Responsibilities

The Credit Analyst is responsible for preparing loan system reports and conducting financial analysis reviews. They also monitor credit files, assist with appraisals, and perform compliance-related audits.