Credit Risk Analyst

Come be a part of something greater! Great Southern Bank is committed to following an environment where everyone can contribute and succeed at every level. We celebrate and value differences in age, outlook, cultural background, lifestyle, and physical ability. We offer career opportunities and advancement across a wide range of disciplines. Come join our team of customer service experts today!

GENERAL DESCRIPTION

The Credit Risk Analyst is responsible for the analysis, review, and summarization of financial and / or loan data in a format conducive to management's decision-making process and in accordance with applicable regulations and controls. Working under the guidance of the Credit Risk Analyst Manger, performs a wide variety of tasks that require development of a broad knowledge of department operations, policies, and procedures.

ESSENTIAL DUTIES

• The Credit Risk Analyst works under the direction and guidance of the Credit Risk Analyst Manager to prepare and analyze performance of commercial loans based on cash flow debt service coverage calculations, payment performance, and collateral coverage, making decisions of credit worthiness up to a pre-determined level. This duty is performed daily, about 60% of the time.
• Prepares annual credit reviews which includes research and analysis of financial statement data, collateral documentation review, compliance review of regulatory guidelines, evaluation of industry trends, and confirms appropriate risk ratings. May consult with commercial lending, underwriting, and loan operations to ensure comprehensive credit reviews. This duty is performed daily, about 20% of the time.
• Assists the Managing Director of Credit Risk in obtaining information related to area of responsibility associated with annual bank exams and department internal audits. This duty is performed about 10% of the time.
• Responsible for preparing financial and regulatory reports that are submitted to regulatory authorities and senior management. This duty is performed daily, about 5% of the time.
• Assists with the performance of financial and covenant tracking maintenance, as requested. This duty is performed about 5% of the time.
• Maintains regular and reliable attendance, punctuality and personal appearance. Reads, writes, and communicates in a clear and efficient manner via various types of correspondence, such as, in person, phone, email, letters, etc. Adheres to all company policies and procedures, as well as all applicable banking rules, regulations, and laws (including BSA / AML).
• Performs any other related duties as required or assigned.

EDUCATION AND EXPERIENCE REQUIREMENTS

PHYSICAL REQUIREMENTS

The following physical activities 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 and expectations.

At Great Southern Bank, we are willing to accommodate for those with reasonable requests. If you need assistance at any point during the application process (completing applications, interview prep, etc...), please contact Human Resources at 417-895-4509.

Great Southern Bank is proud to be an Equal Opportunity Employer, treating all candidates and employees equitably without regard to race, color, sex, religion, national origin, ancestry, age, disability, protected veteran status, gender identity, sexual orientation, pregnancy, or any other basis prohibited by law.

Monday - Friday 8 : 00 AM - 5 : 00 PM

Total Hours : 40

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