West Plains Bank and Trust Company opened in 1883 and is the longest continually operating business in West Plains.  One of our values is to Have Fun, “Spread fun in all you do”.

Responsible for providing competent credit analysis for lending activities, assistance in the administration of borrowing accounts, conduct appraisal reviews, and assistance in completion of special projects and assignments. Verifies credit references and information; and determines risk classification. Prepares reports on the status of credit and collections, and other operating systems.

Major Duties and Responsibilities

Weight Function Essential?
35% Complete all financial analysis reviews assigned, reporting results to the appropriate lending officer or department supervisors as applicable.  Follow-up to ensure timely responses to the recommendations and the resolution and/or implementation of the same. Yes
20% Prepare written analysis on all large loans, large aggregate lending to one borrower, complex loans, and weak loans.



Examine files systematically for adequacy of credit and/or deficiencies; report examination results to the appropriate lending officer as requested.


Determines that loan file documentation is complete and properly executed to ensure adequate enforceability of the banks position for all new loans reviewed.


Assist in the preparation of loan rating reviews and watch list presentations for the loan loss reserve adequacy reviews.


Assist in special asset collection for troubled borrowings as needed.



Lead or assist with projects that will consist primarily of credit administration issues and may relate to possible changes in policies and procedure, possible changes as a result of examiner or auditor recommendations, peer group analysis, market studies, changes in compliance and regulations, software upgrades, monitoring of industry or borrower concentrations, risk assessments, and feasibility studies for efficiency gains such as out-sourcing, in-sourcing, centralization of duties/staff, etc.  



Assist  in the preparation of technical exception reports, non -conforming loan reports, etc., for the eventual benefit of loan officers.



Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.



Knowledge & Skills


Six months to two years of similar or related experience, including time spent in preparatory positions.


Associates Degree required. Bachelor’s in Finance, Accounting, or General Business preferred 

Interpersonal Skills

A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance.


Other Skills

Job Characteristics:

  • Ability to communicate clearly and concisely
  • Ability to work one on one with customers and complete accurate, compliant task under pressure
  • Ability to handle difficult situations professionally and apply good decisions to protect the bank
  • Attention to detail, organization and follow thru are crucial to this position
  • Ability to multi-task
  • Dedication to excellent customer service
  • Ability to be a team player with a high commitment to the branch and to the Bank
  • Ability and intent to learn with proficiency all tasks needed to help the customer
  • Ability and intent to develop strong, consistent, dependable support to the department


Physical Requirements

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 0 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Mental and/or Emotional Requirements

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.


Nothing in this position description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description is not a contract and should not be construed as a guarantee of employment for any specific period of time.

West Plains Bank and Trust is an Equal Opportunity Employer and does not discriminate against employees or applicants based on race, color, religion, sex/gender, national origin, disability, age, or any other category protected by law.


In compliance with Federal and State equal employment opportunity laws, qualified applicants are considered for all positions without regard to race, color, religion, sex, national origin, age, marital status, veteran status, non-job related disability, or any other protected group status.

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