Credit Analyst
Sterling BankMissouri, United States
Posted November 21, 2025
Full Time
About the Company
Sterling Bank, a wholly-owned subsidiary of Sterling Bancshares, has served Texas communities since 1974 with $5.1 billion in assets. The bank specializes in retail and business banking, offering checking, savings, investment services, and business lines of credit. With 56 branches across Houston, Dallas, Fort Worth, and San Antonio, it delivers personalized, locally‑managed service that sets it apart from larger, out‑of‑state competitors. Sterling Bank’s commitment to community‑focused banking and its extensive product suite make it an attractive workplace for professionals seeking a customer‑centric financial institution.
Job Description
Join the Sterling Bank team as a full-time Credit Analyst in our St Louis region. Work on assessing the creditworthiness of applicants across various loan types, analyzing financial statements, and preparing detailed credit presentations.
Requirements
- Analyze the overall credit quality and risk of applicants by reviewing financial statements, tax returns, credit reports, collateral values, and other relevant information.
- Prepare accurate financial spreads, DSCR and other ratio analyses, and cash flow models using spreadsheet and word processing tools.
- Develop comprehensive credit presentations that include repayment capacity of the borrowers and guarantors, collateral descriptions, loan-to-value and loan-to-cost calculations, and a clear summary of strengths, weaknesses, and risks.
Benefits
- Medical insurance
- Dental insurance
- Vision insurance
- Disability insurance
- Life insurance
- 401k retirement plan with employer match
- Paid holidays
- Vacation time
- Personal time off
