Senior Credit Analyst

Job Description

Job Description

Description :

Please Note : This is an in-office position located in St. Louis, MO.

About Us :

At INB, a career is more than just a job; it’s a chance to make a meaningful impact in the communities we serve. As a locally owned, community-focused bank, we’re proud to help individuals, families, and businesses achieve their financial goals through personalized service and trusted relationships. Our success is driven by a team that genuinely cares about our customers, our coworkers, and our community. When you join INB, you’re not just joining a workplace; you’re becoming part of a purpose-driven culture built on our core values : Caring, Creative, Teamwork, Balance, Working Smart, and Assertive & Enthusiastic. Together, we make a positive difference every day for our customers and for each other.

Summary

Evaluate the financial condition of commercial loan borrowers (individuals / businesses) using analytical, organizational, and communication skills. We seek a team player who will develop working relationships with lending / credit staff.

Requirements :

Essential Duties and Responsibilities include the following. Other duties may be assigned.

• Spread and analyze corporate and individual financial statements and tax returns.
• Prepare credit presentations to be used in the credit approval process including cash flow analysis, forecasting of future performance, industry trends and loan performance histories.
• Assign risk ratings to support loan requests
• Maintain knowledge of all supportive software, compliance, and procedures as they relate to the loan department
• Studies economic trends in firm's industry or branch of industry to predict probable success of new customer.
• Adhere to the bank’s policies, procedures, security requirements and government regulations.
• Working knowledge of loan policy and guidelines to assist in appropriate structuring.
• Prepare annual loan reviews of existing loan relationships to ensure complete information, communicating with lenders regarding missing information and applicable questions.
• Create and update covenant compliance checks.
• Occasional travel to Springfield, IL corporate office for department meetings or training.

Supervisory Responsibilities

This job has no supervisory responsibilities.

Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and / or ability required.

Education and / or Experience

Bachelor’s degree in finance, accounting, or related field with a minimum of 7 years credit-related experience in banking or an accounting related field.

Computer Skills

Strong proficiency in PC application, including various software systems, including Microsoft Word and Excel and banking systems.

Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Group Insurance Benefits and Plans

INB provides health, dental, vision, and life insurance benefits to all full-time employees. Coverage also is extended to their eligible dependents. Active employees make premium contributions based on plan selections. Please click the link below for all benefits that are offered.

https : / / www.inb.com / Resources / 9f1b90c4 -905c-4cd7-9dee- afd9937ab37a / INB%20employee%20benefit%20flier%202025.pdf

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions.

ADA Disclaimer : In developing this job description care was taken to include all competencies needed to successfully perform in this position. However, for American with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis.

INB, N.A. is committed to Equal Employment Opportunity with respect to recruitment, hiring, training, promotion, and other terms and conditions of employment. It is INB's policy to afford equal opportunity to all employees and applicants for employment without regard to race, creed, color, sex, sexual orientation, age, marital status, national origin, disability, religion, veteran status, or any other basis prohibited by law. The EEO Law poster is available here :

Know Your Rights : Workplace discrimination is illegal