Evaluates financial condition of individuals and businesses applying for credit with the bank. Conducts periodic credit reviews of financial and credit information to assist lending and credit administration department personnel in the credit decision making process. Complies with banking regulations which are applicable to job, including Bank Secrecy Act and information security initiatives.
Performs a complete review and/or analysis of specific borrowing relationships and in conjunction with the Credit Administration department, prepares necessary reports to support credit making decisions. The final product is utilized by bank management to determine the creditworthiness of the customer. Challenges include preparing the necessary analysis or report in an objective fashion that is consistent with Central Bank of Boone County lending policy and the Central Bancompany reporting standards. Prepares an objective, accurate, and concise analysis and/or review of financial and credit information utilizing bank and industry standards. Assists with analysis for making the credit decision and needs to address all significant loan underwriting, administrative and credit risk issues. The final product must provide an interpretation of the financial position and credit worthiness of the customer with supporting documentation. Must remain objective and independent regarding the loan relationship. Performs the 'information gathering' and/or 'evaluation assessment' role. May be asked to assist loan department personnel in presenting information to Loan Committees or bank customers. Professional in demeanor and able to communicate through possible controversial issues with loan department personnel in a very straightforward and equitable manner. Is responsible for compliance with all banking regulations which are applicable to the job, including Bank Secrecy Act and information security initiatives.
Works with all departments of the bank and its affiliates, coordinating work and documentation as needed to complete files. Interacts with Commercial Lending and Credit Administration employees on a daily basis to complete work in timely and thorough manner. Analyzes approximately 100-150 proposals/reviews annually.
Central Bank has been serving the St. Louis metropolitan area for over 115 years. Since our inception we have been a conservative financial institution and have always focused on the basic business of making loans in and attracting deposits from the communities we serve. Today we still take the same approach to our business throughout the metropolitan area.
We offer local management, long-term stability and a full range of deposit and lending products and services coupled with a very personalized approach to providing financial services.
We are one of the top mortgage lending providers in the St Louis area with a knowledgeable and experienced group of loan officers and mortgage staff. Our commercial lending team has a long history of working with businesses to finance their needs today and as they grow in the future.
Central Bank offers a full range of online banking services including online bill pay, mobile check deposit, e-statements and a full complement of checking and savings products
Central Bank is a wonderful place to grow and develop your talent! We are more than a place to work, we encourage teamwork, community involvement, and a family environment rooted in respect and pride for each person who contributes to our success and the success of our customers.
Central Bank is family-owned. We refer to our team as our “Central Bank family.” This comes from a genuine appreciation for the people who dedicate their talent to our company’s success. Providing outstanding benefits is one of the primary ways we strive to be an employer-of-choice. Our overall compensation philosophy is based on pay for performance and ensures our employees are paid competitively. Our employees also have access to a comprehensive package of benefits, rewards and recognition.