Credit Monitoring Analyst III

Position Summary The Credit Monitoring Analyst III supports the commercial credit monitoring and portfolio management for the Bank through review and analysis of borrower and guarantor financial information, testing of financial covenants, and post-closing loan review to ensure alignment between loan approval, documentation, and tracking system. Duties & Responsibilities Maintain in-depth knowledge of Credit Monitoring and industry best practices. Review financial spreads, financial indicator covenants, borrowing base reviews, post-closing reviews and other assigned job functions for accuracy and completeness. Provide input and recommendations on new and existing workflow processes, policies, and procedures involving the Credit Monitoring Team. Work independently the majority of the time and complete work with little supervision. Serve as Credit Monitoring subject matter expert and on the Bank’s financial tracking system (nCino) to include any upgrades, training, or new resources. Provide accurate and consistent loan portfolio management and monitoring of our commercial loan portfolio. Make independent recommendations regarding credit risk supported by comprehensive ongoing risk analysis. Analyze Borrowing Base Certificates, accounts receivable aging, inventory listings, liquidity, and collateral positions. Review financial reporting to ensure accuracy and maintain internal tracking for all commercial clients. Mentor less experienced Credit Monitoring Analysts. Comply with all credit administration policies and procedures. Prepare ad hoc reports as requested. Complete Moody’s Credit Modules, as assigned. Maintain the highest level of confidentiality of all information. Provide extraordinary service while complying with all Bank policies and procedures. Adhere to Busey Bank policies and procedures, comply with laws, regulations and industry best practices. Maintain reliable and predictable attendance; both onsite and remote. Education & Experience Strong oral, written and interpersonal communication skills. Advanced understanding of credit analysis and financial statements. Thorough knowledge of financial statement analysis and ability to identify and mitigate key risks. Full understanding of loan and collateral documents, including attorneys’ prepared documentation. Strong problem‑solving and analytical skills. Ability to read and comprehend credit write‑ups and loan documentation. Prioritize workflow, multi‑task and work independently under frequent time pressures with high degree of accuracy and attention to detail. Bachelor’s degree in Finance, Accounting or Business. 5 or more years of experience as a successful credit analyst or similar role in a commercial bank. Experience in nCino and Jack Henry preferred, but not required. Knowledge of Microsoft Office. Compensation and Benefits Base Pay Range: $80,000 - $114,000 per year, with possible bonus or incentives based on company and individual performance. Benefits include 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company‑paid life insurance, long‑term disability, supplemental voluntary life insurance, short‑term and long‑term disability, wellness incentives, employee assistance program, pre‑tax health savings accounts, and flexible spending accounts. Equal Opportunity Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey’s commitment to service excellence. Busey is an Equal Opportunity Employer, including Disability/Vets. Locations and Remote Availability Busey offers diverse employment opportunities—both remote and onsite—in Arizona, Colorado, Florida, Illinois, Indiana, Kansas, Missouri, New Mexico, Oklahoma, and Texas. #J-18808-Ljbffr Busey Bank