Careers with VNBT

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Job specifics to follow.

Location: St. Louis, MO
Department: Credit & Lending
Job Type: Full time in person
Reports To: Senior Credit Officer
Annual Salary: $60,000 - $75,000, based on experience

 

At Ventura National Bank & Trust (VNBT), we’re redefining the banking experience through client-first service, modern technology, and a commitment to building lasting relationships. The Credit Analyst plays a vital role in supporting VNBT’s commercial lending strategy. We are seeking a seasoned credit professional who brings expertise across underwriting, portfolio management, and special assets. This role goes beyond traditional credit analysis. You will serve as a strategic partner to lenders, proactively monitor portfolio health, identify emerging risks, and help structure thoughtful solutions when borrowers face complexity.

This is a high-impact, high-visibility role supporting commercial, SBA, and specialty lending. Your analysis and judgment will directly influence credit quality, risk grading, workout strategy, and long-term portfolio performance.

 

Responsibilities

  • Analyze financial statements, tax returns, and cash flow statements for new and existing commercial and consumer clients.
  • Prepare thorough credit memorandums covering risk ratings, loan structuring recommendations, and collateral evaluations.
  • Benchmark borrower performance against industry, location, and market peers using liquidity, profitability, leverage, and efficiency ratios.
  • Monitor portfolio health: track collateral positions, identify emerging risk trends, and assist in reporting lender and loan exceptions.
  • Conduct annual credit reviews for key relationships to verify ongoing credit quality and compliance with bank standards.
  • Stay current on economic, industry, and market trends that could affect client creditworthiness.
  • Maintain up-to-date knowledge of internal credit policy, regulatory requirements, and best practices in credit risk management.
  • Join client and prospect meetings with lending officers to build direct understanding of borrower needs and risk factors.
  • Contribute to building a strong, disciplined credit culture across the bank.

Who You Are and How You Work

  • Enthusiastic about working on a team that values accuracy, efficiency, and customer service.
  • A team player with an entrepreneurial mindset, who has the ability to work independently and manage multiple priorities while meeting deadlines.
  • An excellent communicator who can distill complex financial data into concise insights
  • A strategic thinker who balances growth with disciplined risk management.
  • Comfortable navigating complex borrower situations and structuring practical solutions.

 

Qualifications

  • Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field preferred.

  • Experience:
    • Minimum 2 years of experience in commercial credit analysis or commercial banking required.
    • 5+ years of experience in commercial credit analysis or commercial banking preferred.
  • Demonstrated expertise in financial statement analysis and cash flow modeling.
  • Proficiency in Microsoft Excel and financial spreading software; familiarity with banking systems preferred.
  • Solid understanding of regulatory guidelines, credit policy, and lending best practices.
  • Ability to work with and maintain confidential information.
  • Ability to travel to other bank locations or client sites, as needed.