POSITION SUMMARY:
This senior level analyst position is responsible for reviewing loans to ensure that acceptable credit standards are maintained and that loans conform to established company policy. Accompany officers calling on customers when requested, develops and analyzes all types of credit information pertaining to diversified types of commercial loans, prepares credit reports for loan officers and committees, maintains control over credit requirements of current accounts, and furnishes information related to credit inquiries. Also responsible for conducting relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.
ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Responsible for reviewing loans to ensure that acceptable credit standards are maintained and that loans conform to established company policy.
• Accompany officers calling on customers when requested.
• Will draw from previous experience to develop and analyze all types of credit information pertaining to diversified types of commercial loans, prepare credit reports for loan officers and committees, maintain control over credit requirements of current accounts, and furnishes information relative to credit inquiries.
• Conduct investigation and analysis of routine financial data to facilitate the credit extension decision-making process.
• Use credit reporting services to compile reports regarding the credit history of potential customers.
• Research and analyze financial statements. Interpret findings and prepare reports on financial position and credit worthiness.
• Assist with the preparation and presentation to loan committees or customers. May offer opinions regarding financial strength and credit worthiness of customers.
• Maintain loan documentation files and monitor compliance with terms of loan agreements.
• Conduct a systematic review of commercial loans to determine adequacy of documentation.
• Monitor the financial position of established accounts and brings irregularities to the attention of the Department Manager.
• Will begin to assist officers in processing renewal documents.
• Will begin to take ownership of familiar relationship and continue to develop rapport with existing customers.
• Begin to understand the structure and pricing of borrowing relationship.
• Become familiar with the basics of portfolio administration.
• Develop a firm understanding of an ideal prospect profile.
• Review loans that are held for follow-up and recommend appropriate action.
• Ensure thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures evidenced by appropriate application of regulations in day-to-day operations.
• Demonstrate the highest level of professionalism, efficiency and customer service when resolving customer issues.
• Understand and maintain a thorough knowledge of the Bank's other services and operations such as Cash Management, Correspondent Banking and Trust and make referrals and facilitate introductions as appropriate.
• Engage in activities that will build your professional network. - charitable boards, community involvement, etc.
• Attend and complete all required training.

ADDITIONAL DUTIES AND RESPONSIBILITIES:
Assist others as needed. The position may be assigned to other duties and responsibilities and may be assigned work or training at other assigned locations.
POSITION REQUIREMENTS:

• Bachelor's degree in business with an emphasis in Finance or Accounting or an equivalent degree program.
• Minimum 12 hours of accounting required.
• 3 or more years of experience as a commercial credit analyst, prefer a background in the areas of capital markets, equipment finance or leasing.
• Completion of a credit training program such as Omega, provided by Central Bank of St. Louis.
• Knowledge of current bank lending procedures and policies, lending regulations (state and federal), lien laws, collection/bankruptcy regulations, and loan documentation preferred.
• Ability to analyze financial statements and loan risk for middle market regional and large public companies.
• Possess good judgment skills. Ability to make decisions within prescribed guidelines, research and solve problems, handle confidential information and manage multiple tasks.
• Ability to read, write, and speak English.
• Excellent verbal, listening and communication skills. Strong customer relations skills and ability to work with employees and customers in a cooperative manner. Ability and desire to work as part of a team, and with people of diverse backgrounds
• Ability to establish and maintain strong customer contacts and relationships over the telephone.
• Strong organizational skills and attention to detail. Must be able to work independently, have a great degree of initiative. Willingness to assume additional responsibilities, duties, and projects as they arise.
• Initiative to follow up on required job functions to ensure that customer requirements are completed promptly and accurately.
• Ability to operate office equipment including PC's, calculators, telephones, voice mail, copy and fax machines. Must be proficient with Microsoft Word and Excel.
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.