Commercial Credit Analyst

COREFIRST BANK & TRUST•Lenexa, KS

9d•Onsite

About The Position

Commercial Credit Analyst Role: Responsible for conducting high-level analyses of commercial/business loans. Reviews credit data to evaluate commercial/business loan requests in order to approve or deny applications and review existing credit relationships for ongoing credit worthiness. Analyzes sources of financial information to determine potential risks of a loan. Prepares written credit presentations for submission to Officers and committees. Please note this description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

Requirements

Experience and training in financial statement and tax return analysis preferred.
Basic knowledge of commercial, construction, real estate, and consumer lending preferred.
Bachelor’s degree in Accounting, Finance, Business Administration, or Economics.
Understanding of financial statements, including balance sheets, income statements, and statements of cash flow as well as the ability to analyze and interpret the content.
Basic knowledge of state and federal loan regulations and Bank lending policies.
Excellent time management skills with the ability to manage multiple and changing deadlines with limited supervision and significant analytical thinking.
Dedicated, goal oriented, and an energetic self-starter.
Effective verbal and written communication skills.
Proficient with Microsoft Word and Excel.
Adherence to CoreFirst Values: Respect, Communication, Integrity, Initiative, and Accountability. A secondary focus on internal and external Customers, Compliance, Ethics, Perseverance, and Time Management is also essential.
Applicants must pass a drug screen and background checks
Internal applicants must be meeting the minimum requirements of their current job and submit a cover letter and resume via the employee portal

Nice To Haves

Experience and training in financial statement and tax return analysis preferred.
Basic knowledge of commercial, construction, real estate, and consumer lending preferred.

Responsibilities

Analyze and interpret financial and other credit related information to assess the financial condition and risk of financing requests, to include commercial, construction, real estate and consumer, within the framework of the Bank’s credit standards.
Applies accounting acumen and financial expertise to spread all types of financial information using financial software and interpret the resulting financial metrics used in the credit decision process.
Able to use independent judgment in the identification of key strengths and weaknesses of a wide variety of credit types.
Understand the different types of financing products available and how they are used to need a borrower’s needs.
Assists in the preparation of credit presentations through formal written financial analysis, industry peer analysis, collateral analysis, gathering relevant market data, personal credit report analysis, and any other analysis deemed appropriate for the request.
Follows Bank policies and procedures.
Provide quality service to internal customers through undertaking risk assessment analysis of various types of lending proposals.
Possesses a working knowledge of Sageworks software which is used by the bank to perform analysis and prepare credit submissions.

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