Loan Credit Analyst; Bank and Local

About Us

TBO Bank (AKA The Bank of Opportunity) has been serving customers from our hometown location in Orrick, Missouri. We’ve taken pride in building banking relationships that have spanned decades. Now we’re bringing “the feel” of hometown banking to a broader landscape. Our mission: to connect and empower in a way that is human, relatable and real. As we expand the reach of our relationships, you can feel secure working for a bank that just gets it.

The Credit Analyst position for the bank will be a part of a team that is responsible for credit underwriting and loan review analysis processes, and all functions providing lending support, direction, credit information, and loan policies, procedures and processes to ensure the overall quality of the Bank’s lending portfolio. This role will work closely with the lending and loan operations team to ensure a seamless loan process.

• Obtains loan request information from a lender or borrower to analyze credit information, financial statements and other related information pertaining to the loan.
• Researches background documentation and reviews personal and business financial statements and tax returns. Analyzes financial information and prepares the preliminary analysis for the lender.
• Requests and obtain financial statements on existing borrowers.
• Reviews and prepares written analysis, spreadsheets, reports, summaries and opinions. Prepares or assists in the preparation of loan memorandum for presentation to lenders and/or loan committees.
• Assist lenders with calls on past‑due loans as assigned by management with the bank’s loan portfolio.
• Perform ongoing analysis of customers’ financial performance and completion of annual credit relationship reviews.
• Assist in assembling materials for committee and board presentations and meetings.
• Assist in the process of ordering and reviewing or completing real estate appraisals and evaluations.
• Follow all applicable laws and regulations.
• Other duties as assigned.

• Two to five years bank credit experience.
• Excellent financial analytical skills with sound judgment and decision‑making abilities.
• Excellent communications skills (both verbal and written).
• Ability to organize and prioritize to meet deadlines.
• Excellent project management skills.
• Knowledge of personal/business financial statements and tax returns.
• Working knowledge of Microsoft office applications.

• Ability to sit or stand for extended periods while working at a desk or computer.
• You must be able to use a computer and other office equipment (e.g., phone, printer).
• Ability to communicate effectively in person, via phone, and through written correspondence.
• Ability to concentrate and focus on tasks for extended periods in a fast‑paced environment.

TBO Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

** The physical demands listed are a requirement to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.