Senior Commercial Credit Analyst
Flat Branch Bank is seeking an experienced and detail-oriented professional to join our growing Commercial Credit Team. This role is responsible for analyzing creditworthiness for commercial lending relationships, supporting the commercial lending team, and ensuring compliance with internal policies and regulatory expectations.
This position is open to candidates who live within driving distance of Columbia, Missouri or who reside within the St. Louis, Missouri MSA. The role may be on-site in Columbia or remote for candidates located in one of these two areas. We are not considering applicants who live outside the state of Missouri, unless they have firm plans to relocate to either the Columbia area or the St. Louis MSA.
Core Responsibilities
Credit Analysis & Underwriting
- Spread and analyze financial statements, tax returns, balance sheets, and income statements
- Assess borrower’s cash flow, leverage, repayment capacity, collateral, and overall credit risk
- Evaluate industry trends, management quality, and financial performance
Credit Administration & Portfolio Management
- Prepare detailed credit memorandums and loan presentations outlining transaction strengths, weaknesses, risks, and recommended loan structure
- Monitor existing loan relationships, including covenant compliance and annual reviews
- Identify and report early warning signs of potential credit deterioration
- Review downgraded loans to ensure proper collateral valuations and documentation
Compliance & Reporting
- Ensure loan structures and underwriting decisions comply with bank policy, regulations, and industry standards
- Prepare monthly Board reports, technical exception reports, and non-conforming loan reports
- Maintain credit files and monitor documentation and financial statement requirements
- Assist with appraisal ordering, review, and vendor communication
- Perform compliance audits and special projects as assigned
- Stay current on regulatory and policy changes affecting commercial lending and assist with internal training
Additional Duties
- Support the commercial lending team and Executive Team as needed
- Perform other duties and projects assigned