Credit Risk Analyst

3 days ago


Springfield, Missouri, United States Central Bank of the Ozarks Full time
Job Description

**Job Summary:**

We are seeking a highly skilled Credit Risk Analyst to join our team at Central Bank of the Ozarks. As a Credit Risk Analyst, you will play a critical role in facilitating the credit extension decision-making process by conducting thorough investigations and analyses of routine financial data.

Key Responsibilities:

  • Conduct in-depth investigations and analyses of financial data to identify potential credit risks and opportunities.
  • Compile and analyze credit reports from various sources to assess the creditworthiness of potential customers.
  • Research and analyze financial statements to identify trends and patterns that may impact credit decisions.
  • Prepare and present detailed reports and recommendations to senior management and loan committees.
  • Maintain accurate and up-to-date loan documentation files and ensure compliance with loan agreements.
  • Monitor the financial position of established accounts and identify potential irregularities.
  • Develop and maintain a thorough knowledge of compliance and regulatory issues related to loan policy and procedures.
  • Provide exceptional customer service and demonstrate a high level of professionalism in all interactions.
  • Stay up-to-date with industry trends and developments, and apply this knowledge to improve credit analysis and decision-making processes.

Requirements:

  • Bachelor's degree in Business or a related field (or equivalent combination of education and experience).
  • 12 hours of Accounting courses preferred.
  • Prior experience as a credit analyst or in a related field, with advanced analytical skills.
  • Knowledge of current bank lending procedures and policies, lending regulations, lien laws, collection/bankruptcy regulations, and loan documentation.
  • Ability to analyze financial statements and loan risk.
  • Strong judgment and decision-making skills, with the ability to research and solve problems.
  • Excellent verbal and written communication skills, with the ability to work effectively with employees and customers.
  • Strong organizational skills and attention to detail, with the ability to work independently and as part of a team.
  • Proficiency with Microsoft Word and Excel.

Working Conditions:

The Credit Risk Analyst will work in a typical office environment, with minimal discomfort from noise, dust, or other factors. The individual will be required to sit, stand, walk, talk, see, and hear regularly, and to use hands to finger, handle, or feel objects, tools, or controls, and to reach with hands and arms. The individual may occasionally be required to stoop, kneel, or crouch. The individual will frequently lift and/or move up to 20 pounds.


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