Summary

The Commercial Credit Analyst I (CCAI) will provide support to the Commercial Lenders with emphasis on financial analysis in determining the creditworthiness of a borrower. The CCAI will have exposure to both private and public companies over a wide variety of industries, cash flow and other types of lending, and direct and syndicated loan opportunities. This position has an anticipated start date of July 2024 and will be based on-site in Stifel's downtown St. Louis Headquarters.

Essential Duties & Responsibilities

• Analyze business financial statements and create cash flow models to be utilized in support of new and existing commercial loans, renewal requests, and amendments.
• Assist in the preparation of credit evaluation memorandums, annual and quarterly reviews, and accurate and timely risk ratings.
• Assist in the ongoing management and monitoring of a commercial loan portfolio.
• Ensure that certain financial statements and compliance certificates are up to date.
• Maintain in-depth knowledge of the soundness of borrowers and collateral through financial research including evaluating financial statements and analyzing third party data.
• Assist in preparation of monthly Bank Board of Directors reports providing a summary of commercial relationships.

Qualifications

• Understand and comply with all regulations, including the Community Reinvestment Act, Bank Secrecy Act, Fair Credit Reporting Act, etc.
• Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
• Use of logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

Education & Experience

• Bachelor's degree in finance, accounting or another business-related field required or equivalent experience.
• 1+ years' experience of commercial credit analyst work or related experience required.

Systems & Technology

• Proficient in Microsoft Outlook and Microsoft Suite including Word and Excel.

About Stifel

Stifel is a more than 130 years old and still thinking like a start-up. We are a global wealth management and investment banking firm serious about innovation and fresh ideas. Built on a simple premise of safeguarding our clients' money as if it were our own, coined by our namesake, Herman Stifel, our success is intimately tied to our commitment to helping families, companies, and municipalities find their own success.

While our headquarters is in St. Louis, we have offices in New York, San Francisco, Baltimore, London, Frankfurt, Toronto, and more than 400 other locations. Stifel is home to approximately 9,000 individuals who are currently building their careers as financial advisors, research analysts, project managers, marketing specialists, developers, bankers, operations associates, among hundreds more. Let's talk about how you can find your place here at Stifel, where success meets success.

At Stifel we offer an entrepreneurial environment, comprehensive benefits package to include health, dental and vision care, 401k, wellness initiatives, life insurance, and paid time off.

Stifel's bank and trust companies are affirmative action and equal opportunity employers. All candidates will be considered without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, veteran status, genetic information or any other protected characteristic under applicable law. If you would like more information regarding Equal Employment Opportunity rights and protections, please review the following posters: Know Your Rights and Pay Transparency.

Stifel is an Equal Opportunity Employer.