Credit Analyst

The Credit Analyst is responsible for preparing financial statement analysis and credit reviews for commercial, non-for-profit, faith-based, and equipment finance prospects and clients. The Credit Analyst also responds to customer credit inquiries, audit confirmations and serves as administrator for the bank’s business credit report and real estate databases.

PRINCIPAL RESPONSIBILITIES AND DUTIES:

• Develops credit information for use by Relationship Managers and Portfolio Managers in making lending decisions on new, renewed, and prospect loans for commercial, equipment finance, non-for-profit, and faith- based business segments:
  • Prepares all spreadsheet and financial information for an automated financial statement analysis report.
  • Prepares comparative risk analysis by industry on customers.
  • Completes spreadsheet analysis on faith-based loans.
  • Sets-up initial loan arrangement reports for new customers and updates reports when annual financial statements are received, or a new loan has been requested.
• Maintains a working knowledge of Bank’s lending policy.
• Maintains a working knowledge of the Bank’s core processing system.
• Assists manager, in completion of Board and Executive Loan Committee reports.
• Serves as the administrator for the web-based real estate software programs and generates information on real estate sales comps to confirm value of the real estate collateral.
• Has responsibility for set-up and maintenance of credit files.
• Provides response to written audit confirmations and credit inquiries about bank customers:
  • Contacts all available sources of information.
  • Assembles all pertinent information and reports to the interested party by mail, fax or by using the confirmation.com website.
• Assists with other duties or special projects as assigned.

KNOWLEDGE AND MINIMUM REQUIREMENTS:

• Thorough understanding of general business, accounting, and economic terms such as balance sheet and income statement components, cash flow, and ratio analysis.
• Excellent analytical and problem-solving skills with ability to comprehend and interpret complex financial scenarios.
• High attention to detail.
• Effective verbal and written communication skills and ability to articulate, interpret and summarize complex analysis.
• Self-motivated with a desire to be resourceful, efficient, and productive in order to accomplish time-sensitive objectives.
• Strong interpersonal communication skills with the ability to listen well and assertively communicate ideas.
• Proficient in Microsoft Office suite.
• Bachelor’s degree in finance or accounting or equivalent combination of education and experience.

APPLICATION PROCESS:

You can directly apply through Cass's website at https://www.cassinfo.com/careers. Please apply directly to this position via the “Apply” button. You will be required to create an account and provide your resume, contact information and other pertinent employment information. This process typically takes 20 minutes or less. Should we find that you meet the minimum requirement of the position, a member of our recruiting team will be in touch to start the interview process.

ABOUT OUR COMPANY:

Founded in 1906 as Cass Avenue Bank, Cass Commercial Bank is a wholly-owned subsidiary of Cass Information Systems, Inc, the nation's leading provider of payment and information services for financial accounts payable, transportation, logistics and utility/energy needs. A Federal Reserve member bank, we are a niche-focused bank delivering personal service and an array of banking products. We serve two niche markets: privately-held companies in the greater St. Louis and southern California regions, and faith-based organizations nationwide. Additionally, Cass Bank provides safety, security and control in moving funds through the Cass operation.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)