Analyst II, Commercial Credit Analysis

First National Bank•Kansas City, MO

2d•$63,288 - $104,425•Hybrid

About The Position

The Credit Analyst II performs independent credit analysis of commercial loan requests across C&I, Agribusiness, CRE, and Specialty verticals. The role includes complex financial analysis and evaluation of creditworthiness; preparation of loan memorandums, risk-rating matrices, financial analyses, and collateral analyses; and development of a thorough understanding of loan products, procedures, and relevant industries. The analyst also interacts with internal and external customers to provide an exceptional customer experience. The analyst conducts complete credit underwriting for new credit requests, renewals, and annual reviews; analyzes borrower, guarantor, and related-entity financial information; assesses collateral and risk ratings; and researches credit requests, borrower backgrounds, commitments, industry risks, and relevant economic factors. The role involves discussing credits and recommendations with Relationship Managers, Credit Approvers, and subject-matter experts, while ensuring compliance with loan policy and applicable standards, including the Bank’s BSA/AML program. The position also supports staff and other parties in the credit process, helps train and mentor less experienced analysts, maintains accurate documentation, and contributes to special projects as assigned. The anticipated work arrangement is hybrid, with in-person collaboration three days per week and remote flexibility two days per week; work location may change based on business needs.

Requirements

Previous commercial credit analysis experience.
Bachelor’s degree in Accounting, Finance, Economics, or a related field, or equivalent work experience.
Strong understanding of financial statements, lending policies, procedures, practices, and documentation, including cash flow and collateral analysis.
Ability to adapt and manage multiple deadlines.
1–3 years of experience in commercial credit analysis.
Strong analytical and critical-thinking skills.
Accuracy and thoroughness, with the ability to monitor one’s own work to ensure quality.
Ability to manage competing demands in a changing environment while working independently most of the time.
Ability to follow instructions, respond to management direction, and solicit feedback to improve performance.
Proficiency in PC operation and demonstrated understanding of Microsoft Office applications and Outlook.
Unrestricted work authorization with no requirement for future sponsorship.

Responsibilities

Conduct complete credit underwriting for new credit requests, loan renewals, and annual reviews.
Independently prepare loan presentation packets and credit memoranda.
Spread and analyze financial information for borrowers, guarantors, and related entities, including CPA-prepared statements, tax returns, and internal financial statements.
Conduct guarantor analysis using credit bureau reports, personal financial statements, and tax returns; analyze personal guarantor cash flow and global cash flow, including known contingent liabilities.
Perform collateral analysis, including margin and loan-to-value calculations.
Determine appropriate credit risk ratings using the FNNI risk-rating matrix and provide supporting rationale.
Process requests in a timely manner to meet service levels and compliance requirements.
Research credit requests, related commitments, borrowing-entity backgrounds, and industry risks.
Perform borrower sensitivity analyses using relevant industry and economic variables and assumptions.
Discuss credits in depth with Relationship Managers, Credit Approvers, and subject-matter experts, and make recommendations based on borrower risk.
Comply with loan policy and compliance standards, including the Bank’s BSA/AML program; complete assigned compliance training, follow internal procedures and controls, and report known violations or suspicious customer or account activity.
Provide exceptional customer service to staff, internal customers, and other related parties involved in the credit process.
Assist with training and mentoring new and less experienced analysts.
Exhibit professional behavior and promote positive working relationships; maintain regular and predictable attendance in alignment with departmental or divisional policy.
Maintain complete and accurate file documentation.
Complete special projects and tasks as assigned by the manager.