Credit Review Analyst

Job Details

• Location:
  
  1615 E INDEPENDENCE ST.
  
  - SPRINGFIELD, MO 65804
• Position type:
  Full Time
• Salary range: $19.00 - $28.00 hourly
• Job category:
  Banking

At Mid‑Missouri Bank, we believe great work starts with great people. We’ve built a culture where collaboration, innovation, and a little fun go hand in hand and were giving back to our community is part of who we are.

• A People‑First Culture:
  We value respect, inclusion, and teamwork. You’ll be supported, heard, and encouraged to bring your authentic self to work every day.
• Community Involvement:
  From volunteer time to local partnerships, we’re proud to invest our time and talents into the communities where we live and work.
• A Fun Place to Work:
  Whether it’s team lunches, celebrations, friendly competitions, or casual dress days, we believe enjoying your workplace matters.
• Growth Opportunities:
  We’re committed to your professional development through training, mentorship, and clear paths for advancement. As we grow, you grow.

Credit Analysts evaluate and determine the credit risks of the high risk, high dollar amount and more complex commercial and consumer clients through detailed financial statement analysis, industry assessment, collateral valuation, and cash flow analysis. Must demonstrate working knowledge of applicable federal regulations and internal Mid‑Missouri Bank loan policy.

• Compare liquidity, profitability, and credit histories of individual or company being evaluated to determine risk.
• Use logic and reasoning to identify strengths and weaknesses to come to a credit decision.
• Prepare reports that include the degree of risk involved in extending credit or lending money.
• Compile reports regarding finance and credit data.
• Complete credit analyses and summaries of loan request, and submit to loan committees for approval.
• Comply with all Bank policies/procedures and all applicable federal and state laws and regulations.
• Market, train, counsel, advise and communicate credit department policy and procedures to company personnel.
• Comply with security procedures established to ensure safety for employees and customers, to protect the privacy of customer account and financial information, as well as follow fraud prevention guidelines established to protect the Bank from unnecessary losses.
• Generate financial ratios, using computer programs, to evaluate customers financial status.
• Maintain meeting documents that include:
  • CDC agendas
  • CDC minutes
• Maintain Egnyte.
• Prepare loan reviews outlined in the loan policy.
• Assist in gathering information requested by examiners/auditors during bank examinations.
• Other duties as assigned.

• Maintain friendliness and professionalism through the proper use of tact & diplomacy when dealing with customers at all times.
• Display a positive attitude and enjoy working with the public.
• Excellent interpersonal, communication, & organizational skills.
• Strong mathematical skills along with accuracy.
• Detail oriented.
• Possess a great sense of organization, priority and time management.
• Ability to work well under pressure.
• Ability to identify, research and problem solve on a critical level and think on your feet.
• Ability to be flexible and to multi-task on a regular basis.
• Ability to work in a fast paced environment.
• Ability to recognize and focus on critical issues.
• Observing, receiving, and otherwise obtaining information from all relevant sources.
• Strong knowledge of bank products/services & regulations.
• Proficient knowledge of Microsoft Excel, Word, and Outlook.
• Bachelor’s degree in accounting, finance, or other business related field.
• Demonstrated capability of analyzing and valuing complex commercial deals.
• Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.

Bachelor's degree in finance, business, economics, or related field.

• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to lift up to 15 pounds at times.