Credit Analyst

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    "description": "<p>Join the Sterling Bank team as a full time Credit Analyst in our St Louis region.&nbsp; Work hours are Monday through Friday, 8am to 5pm - no weekends!&nbsp; We offer a competitive benefit package including medical, dental, vision, disability and life insurance coverages, a 401k retirement plan with an employer match, along with paid holidays, vacation, and personal time off.&nbsp;&nbsp;</p>\r\n\r\n<p><span style=\"font-size:11pt\"><span style=\"line-height:normal\"><span style=\"font-family:Calibri,sans-serif\">Responsibilities for this role include assessing the creditworthiness of applicants across a variety of loan types including commercial, real estate, agricultural and consumer. This role involves analyzing financial statements, tax returns, and cash flow to identify repayment capacity, financial trends, debt service coverage ratios (DSCR), and peer performance year over year. The analyst will prepare detailed credit presentations that highlight the strengths, weaknesses, and risks of each loan relationship, provide collateral evaluations and loan-to-value calculations, and recommend appropriate risk ratings. While collaborating with borrowers and loan officers throughout the underwriting process, the Credit Analyst must maintain independence in analysis, identify potential credit issues, and ensure compliance with internal policies and regulatory requirements.</span></span></span></p>\r\n\r\n<p><span style=\"font-size:11pt\"><span style=\"line-height:normal\"><span style=\"font-family:Calibri,sans-serif\">ESSENTIAL DUTIES:</span></span></span></p>\r\n\r\n<ul>\r\n\t<li style=\"margin-left:8px\"><span style=\"font-size:11pt\"><span style=\"line-height:normal\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:black\">Analyze the overall credit quality and risk of applicants by reviewing financial statements, tax returns, credit reports, collateral values, and other relevant information including independent online research.</span></span></span></span></li>\r\n\t<li style=\"margin-left:8px\"><span style=\"font-size:11pt\"><span style=\"line-height:normal\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:black\">Prepare accurate financial spreads, DSCR and other ratio analyses, and cash flow models using spreadsheet and word processing tools.</span></span></span></span></li>\r\n\t<li style=\"margin-left:8px\"><span style=\"font-size:11pt\"><span style=\"line-height:normal\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:black\">Develop comprehensive credit presentations that include repayment capacity of the borrowers and guarantors, collateral descriptions, loan-to value and loan-to-cost calculations, and a clear summary of strengths, weaknesses, and risks.</span></span></span></span></li>\r\n\t<li style=\"margin-left:8px\"><span style=\"font-size:11pt\"><span style=\"line-height:normal\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:black\">Collaborate and communicate clearly with loan officers to assess borrower&rsquo;s needs, loan structure, and pricing. Communicate directly with borrowers throughout the underwriting process and life of the loan, as needed.</span></span></span></span></li>\r\n\t<li style=\"margin-left:8px\"><span style=\"font-size:11pt\"><span style=\"line-height:normal\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:black\">Ensure credit analysis and presentations reflect adherence to internal credit policies, loan administration procedures, and regulatory requirements.</span></span></span></span></li>\r\n\t<li style=\"margin-left:8px\"><span style=\"font-size:11pt\"><span style=\"line-height:normal\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:black\">Document policy or documentation exceptions, as well as prior-to-close conditions.</span></span></span></span></li>\r\n\t<li style=\"margin-left:8px\"><span style=\"font-size:11pt\"><span style=\"line-height:normal\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:black\">Assign and recommend credit risk ratings in accordance with Loan Policy guidelines.</span></span></span></span></li>\r\n\t<li style=\"margin-left:8px\"><span style=\"font-size:11pt\"><span style=\"line-height:normal\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:black\">Participate as a non-voting member of the Loan Committee meetings, exercising sound judgment and maintaining constructive communication.</span></span></span></span></li>\r\n\t<li style=\"margin-left:8px\"><span style=\"font-size:11pt\"><span style=\"line-height:normal\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:black\">Determine whether requests for information should be furnished or refused based on confidentiality, requiring strong judgment and quick decision-making.</span></span></span></span></li>\r\n\t<li style=\"margin-left:8px\"><span style=\"font-size:11pt\"><span style=\"line-height:normal\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:black\">Recognize irregular or suspicious transactions and take appropriate steps to prevent loss. Help ensure compliance with BSA/AML/OFAC regulations.</span></span></span></span></li>\r\n\t<li style=\"margin-left:8px\"><span style=\"font-size:11pt\"><span style=\"line-height:normal\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:black\">Assist with annual loan reviews and portfolio monitoring as requested, including providing support to the Auditor during internal and external audits.</span></span></span></span></li>\r\n\t<li style=\"margin-left:8px\"><span style=\"font-size:11pt\"><span style=\"line-height:normal\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:black\">Additional responsibilities as needed to support departmental and organizational goals.</span></span></span></span></li>\r\n</ul>\r\n",
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