Responsible for reviewing loans to ensure that acceptable credit standards are maintained and that loans conform to established company policy. Also responsible for conducting relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Conduct investigation and analysis of routine financial data to facilitate the credit extension decision-making process.
Use credit reporting services to compile reports regarding the credit history of potential customers.
Research and analyze financial statements. Interpret findings and prepare reports of financial position and credit worthiness.
Assist with the preparation and presentation to loan committees or customers. May offer opinions regarding financial strength and credit worthiness of customers.
Offer opinions regarding financial strength and credit worthiness of customers.
Maintain loan documentation files and monitor compliance with terms of loan agreements.
Conduct a systematic review of commercial, installment, and mortgage loans to determine adequacy of documentation.
Monitor the financial position of established accounts and brings irregularities to the attention of the Credit Department Officer and/or Vice President of Loan Administration.
Ensure thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures evidenced by appropriate application of regulations in day-to-day operations.
Demonstrate the highest level of professionalism, efficiency and customer service when resolving customer issues.
Understand and maintain a thorough knowledge of Central Bank's services, operations, and organization; communicate this understanding to others when appropriate, and refer inquiries and correspondence to the proper department or individual.
Complete or attend all required training.
ADDITIONAL DUTIES AND RESPONSIBILITIES:
Assist others as needed.
The position may be assigned other duties and responsibilities and may be assigned work or training at other assigned locations.
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.