Credit Analyst

Central Bancompany - Warrensburg, MO

Full-time - Entry Level

Warrensburg, MO

Management of Companies and Enterprises

About the position

The Credit Analyst position at Central Bank of Warrensburg involves analyzing financial statements and credit information to assist in lending decisions. The role requires a thorough understanding of bank policies, compliance regulations, and the ability to maintain strong customer relationships while ensuring credit standards are met. The position offers a hybrid work environment and is full-time, focusing on both existing and prospective borrowers.

Responsibilities

• Conduct relationships and activities consistent with established Bank policies and procedures.
• Spread, review, and analyze financial statements for larger and more complex borrowers.
• Develop credit approval documents to assist in lending decisions.
• Review loans to ensure compliance with credit standards and company policy.
• Accompany officers on customer calls when requested.
• Prepare credit reports for loan officers and committees.
• Maintain control over credit requirements of current accounts.
• Conduct investigations and analyses of financial data for credit decisions.
• Use credit reporting services to compile customer credit history reports.
• Research and analyze financial statements and prepare reports on credit worthiness.
• Assist in preparing presentations for loan committees or customers.
• Monitor the financial position of established accounts and report irregularities.
• Review loans held for follow-up and recommend actions accordingly.
• Ensure compliance with loan policy and procedures in daily operations.
• Demonstrate professionalism and customer service when resolving issues.
• Engage in professional networking activities and community involvement.

Requirements

• Bachelor's degree in Business/Finance or equivalent experience preferred.
• Knowledge of current bank lending procedures and regulations.
• Ability to analyze financial statements and assess loan risk.
• Strong judgment and decision-making skills within guidelines.
• Excellent verbal, listening, and communication skills.
• Strong customer relations skills and teamwork ability.
• Strong organizational skills and attention to detail.
• Ability to work independently and take initiative.
• Proficiency in Microsoft Word and Excel.
• Ability to interpret various instructions in different formats.
• Valid driver's license and acceptable driving record.

Nice-to-haves

• Experience with bank lending procedures and policies.
• Knowledge of lien laws and collection/bankruptcy regulations.

Benefits

• Compensation commensurate with experience.
• Remote/Hybrid work options for the right candidate.