Careers with VNBT

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 Vista 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 by providing detailed financial analysis and credit underwriting for new and existing loan relationships. This position partners closely with Relationship Managers to evaluate borrower creditworthiness, assess risk, and ensure loan structures align with bank policy and sound lending practices. The ideal candidate combines analytical rigor with understanding of financial statements and market conditions to help the bank make prudent, informed credit decisions.

 

Responsibilities

• Analyze financial statements, tax returns, and cash flow statements for new and existing commercial and consumer clients.
• Prepare comprehensive credit memorandums, including risk ratings, loan structuring recommendations and collateral evaluations.
• Compare liquidity, profitability, leverage, and efficiency ratios of establishments being evaluated to borrower performance with equivalent industry, location and market benchmarks.
• Maintain knowledge of economic, industry and market trends that could impact client creditworthiness and performance.
• Assist in monitoring and reporting lender and loan exceptions; track collateral positions and identify emerging trends in portfolio risk.
• Conduct annual credit reviews for key relationships to ensure ongoing credit quality and compliance with bank standards.
• Maintain current knowledge of internal credit policy, regulatory requirements and best practices in credit risk management.
• Participate in client and prospect meetings with lending officers, as needed, to better understand borrower needs and risk factors.
• Contribute to a collaborative, client-focused culture that emphasizes diligence, responsiveness, and accuracy.

 

Who You Are and How You Work

• Enthusiastic about working on a team that values accuracy, efficiency, and customer service.
• A team player who has the ability to work independently and manage multiple priorities while meeting deadlines.
• An excellent communicator who has the ability to distill complex financial data into concise insights
• Comfortable navigating ambiguity and problem-solving complex situations with a proactive approach.

 

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.

 

About Vista

Vista believes in a future where everyone has the freedom to imagine, attain, and enjoy their ideal life through financial independence. We demystify the complexities of financial management, making it accessible and manageable for all. Our ethos emphasizes building trusted lifelong partnerships, providing exceptional products and services, and enjoying the journey while celebrating wins. Join us in creating lasting security and peace of mind for generations.

 

 

Location: St. Louis, MO
Job Type: Full time in person
Reports To: Senior Credit Officer
Salary: $40,000 – $60,000 annually, based on experience

As a Loan Administrator at Vista National Bank & Trust, you will be responsible in ensuring the efficient and accurate processing and administration of loan applications. This includes document preparation, processing, servicing, accounting and reporting functions, post-closing review and customer service. You will work closely with the underwriting and lending teams to provide clients with exceptional service and timely responses. By maintaining high standards of accuracy and organization, you will contribute to the Vista Way of delivering tailored financial solutions with professionalism and care.

 

Responsibilities

• Maintain workflows for all stages of the loan administration department including document preparation, closing, servicing, file documentation, collateral management and post-closing review. 
• Ensure loans are processed in a timely and proper manner, in full accordance with established regulations and bank policies, and closed and funded in compliance with closing or approval conditions as set forth in the bank’s approval.
• Prepare legal loan documents for commercial, consumer, mortgage and SBA loans (utilizing LaserPro) in compliance with federal/state regulations and internal policies; and ensuring all approval & closing conditions have been met.
• Review executed documents for proper signatures/completeness and follow up with lenders/coordinators on missing/incomplete items deemed critical for booking the loan.
• Responsible for perfecting the Bank’s security interest by recording/filing documents online (or mailing out) including Deeds of Trust, UCCs, NOLs, acknowledgements, etc.
• Create and assist in maintaining the physical loan files, including uploading all loan documents & due diligence information into the Bank’s document retrieval system (Fiserv Unity Client/Director).
• Accurately post payments and advances, construction loan disbursing, handling the tracking of insurance and taxes, escrow analysis, and the collection of information for HMDA, CRA and other similar regulations (as applicable). 
• Maintain and demonstrate proficiency with loan software applications.  Work with system providers to utilize applications to fullest capacity, streamlining processes and procedures, and ensuring accuracy and compliance. 
• Work closely with various departments and personnel including the Credit Director, Loan Officers and bank department managers to promote communication and to ensure quality delivery throughout the bank, as well as with external clients.
• Direct loan input in Fiserv (system boarding) and verification procedures.
• Write procedures and training materials for all functions performed in Loan Administration.
• Act as liaison to certain vendors, consultants, accountants and bank examiners as needed.
• Ensure proper procedures and tracking of payment of related taxes, forced placed insurance (and billing), other loan charges.
• Additional duties as assigned by management.

 

Who You Are and How You Work

• Enthusiastic about working on a team that values accuracy, efficiency, and customer service.
• A detail-oriented expert with exceptional organizational skills and the ability to meet deadlines.
• An excellent communicator who can provide clear explanations to management, clients and team members.
• Comfortable navigating ambiguity and problem-solving complex situations with a proactive approach.

 

Qualifications

• Minimum of seven years of related banking experience in a loan department with a thorough knowledge of loan operations including documentation, servicing and accounting. 
• Bachelor’s degree in Finance, Business or Economics from an accredited four-year college or university is preferred or equivalent years of job experience.
• Effective interpersonal communication skills to develop and maintain relationships with internal and external bank clients.
• Ability to calculate figures and amounts such as loan payoffs, accrued interest, amortization schedules, and loan adjustment recalculations.
• Can demonstrate a thorough and effective understanding of the computer systems; specifically, but not limited to Microsoft Office, Excel, and additional programs as necessary.
• Ability to maintain workflow in a highly detailed and time critical manner.
• Effective analytical skills to gather and analyze information skillfully and develop solutions in problem solving situations. 

 

About Vista

Vista believes in a future where everyone has the freedom to imagine, attain, and enjoy their ideal life through financial independence. We demystify the complexities of financial management, making it accessible and manageable for all. Our ethos emphasizes building trusted lifelong partnerships, providing exceptional products and services, and enjoying the journey while celebrating wins. Join us in creating lasting security and peace of mind for generations.

Location: Saint Louis, MO, Indianapolis, IN, Denver, CO, or Cody, WY. 
Department: Lending & Credit
Reports To: Senior Lending Officer
Job Type: Full-Time in person

 

As a Junior Lender at Vista National Bank & Trust, you will be engaged in processing, documentation and administration of private and commercial loan applications. This includes efficient and accurate document preparation, servicing and sophisticated customer service. You will work closely with the underwriting and lending teams to provide clients with exceptional service and timely responses. By maintaining high standards of accuracy and organization, you will contribute to the Vista Way of delivering tailored financial solutions with professionalism and care.

 

Responsibilities

• Assist in evaluating and structuring credit facilities for HNW clients and privately held businesses.
• Prepare financial spreads, credit memos, and loan documentation for review and approval.
• Conduct due diligence, analyze cash flow statements, and assess collateral valuations.
• Support ongoing portfolio management, including covenant tracking, renewals, and risk monitoring.
• Partner with relationship managers and credit teams to deliver a seamless, digital-first client experience.
• Participate in client meetings and calls to develop relationship management skills.
• Stay current with credit policy, regulatory requirements, and market trends affecting lending decisions.
• Work directly with senior leaders and sophisticated clients.
• Exposure to complex lending transactions and customized financial solutions.
• Additional duties as assigned by management.

 

Who You Are and How You Work

• Enthusiastic about working on a team that values accuracy, efficiency, and customer service.
• A detail-oriented expert with exceptional organizational skills and the ability to meet deadlines.
• An excellent communicator who can provide clear explanations to management, clients and team members.
• Comfortable navigating ambiguity and problem-solving complex situations with a proactive approach.

 

Qualifications

• Bachelor’s degree in Finance, Economics, Accounting, or qualified banking experience preferred.
• 1–3 years of experience in commercial, private, or consumer lending (internships or analyst roles welcome).
• Strong analytical and quantitative skills; proficiency with Excel and financial modeling.
• Excellent written and verbal communication abilities.
• Highly organized, detail-oriented, and comfortable working in a fast-paced, digital environment.
• A client-first mindset with a professional, discreet approach to sensitive financial matters.

 

About Vista

Vista believes in a future where everyone has the freedom to imagine, attain, and enjoy their ideal life through financial independence. We demystify the complexities of financial management, making it accessible and manageable for all. Our ethos emphasizes building trusted lifelong partnerships, providing exceptional products and services, and enjoying the journey while celebrating wins. Join us in creating lasting security and peace of mind for future generations.