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.
Bachelor’s degree or equivalent educational background. Knowledge of basic accounting and commercial and consumer lending procedures, laws, and regulations preferred. Must possess strong financial analytical abilities. Excellent written and verbal communication skills are needed. Ability to work independently, attention to detail, time management and organizational skills are required.
Skills Required
- Bachelor's degree or equivalent educational background
- Knowledge of basic accounting and commercial and consumer lending procedures, laws, and regulations
- Strong financial analytical abilities
- Excellent written and verbal communication skills
- Ability to work independently with attention to detail
- Time management and organizational skills
Central Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Central Bank and has not been reviewed or approved by Central Bank.
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Retirement Support — A two-part 401(k) combines a 50% match on the first 6% contributed with an automatic 4% nonelective employer contribution, with auto-enrollment and auto-escalation. Employer funds vest on a graded schedule reaching 100% at five years.
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Leave & Time Off Breadth — PTO for full-time staff starts at 18 days per year and increases with service up to 27 days, and the organization follows the Federal Reserve holiday schedule. Part-time employees accrue PTO on a pro‑rata basis.
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Healthcare Strength — Medical, dental, vision, and prescription coverage are offered with eligibility typically beginning the first of the month after hire, alongside HSA and FSA options. Life, AD&D, and short- and long-term disability plus an EAP enhance health and protection.
Central Bank Insights
What We Do
Central Bank is a privately held $20 billion bank headquartered in Jefferson City, Missouri. Serving 13 markets in 8 states. Central Bank specializes in community banking, with a particular focus on delivering leading-edge technology through its network of more than 150 facilities operating in Missouri, Kansas, Illinois, Colorado, Iowa, Tennessee, North Carolina, Florida, and Oklahoma, as well as more than 22,000 ATMs nationwide. Member FDIC. "Strong Roots. Endless Possibilities." reflects our long-standing commitment to the communities we serve, as well as our commitment to delivering high-quality, leading-edge financial products and services that help our customers and communities grow and succeed. As our product and service offerings continue to expand, we assure you that our commitment to the community will only grow stronger. All of our lending decisions are made locally in the community you live. Equal Opportunity Employer–minorities/females/veterans/individuals with disabilities/sexual orientation/gender identity.
