Commercial Credit Analyst

Sunflower Bank, N.A.•Houston, TX

2d•Onsite

About The Position

Sunflower Bank, N.A. is experiencing great growth and is committed to serving its communities and supporting its team members. As a full-service financial institution, it offers a full range of relationship-focused services. The Commercial Credit Analyst will support Commercial Credit Underwriters in their day-to-day activities. This role is based in Houston, TX.

Requirements

Excellent Microsoft Office Suite skills, specifically Word/Excel.
Aptitude for learning new systems and applications quickly, specifically Salesforce.com and nCino Bank Operating System.
Excellent verbal and written communication skills.
Ability to prioritize and complete tasks or projects on time with a high level of accuracy and strong attention to detail.
Ability to remain educated and informed on industry trends, market conditions and regulatory requirements and actively work to continuously develop professionally.
Ability to handle sensitive information with complete confidentiality and professionalism.
Ability to understand financial statements, including balance sheets, income statements, and cash flow statements.

Nice To Haves

Bachelor’s Degree in Accounting, Finance or other applicable undergraduate or graduate degree.
1+ years in commercial lending and credit analysis.
Travel will be required, as needed.

Responsibilities

Assist with financial analysis and risk assessment by preparing financial statement spreads, analyzing trends, and supporting credit underwriting decisions.
Support Credit Underwriters in the preparation of credit memoranda for amendments, waivers, annual reviews, and other requests.
Develop proficiency in systems and tools used by the credit team, including spreading software, financial modeling tools, and credit approval platforms.
Build a foundational understanding of the bank’s credit policies, underwriting standards, and risk metrics, and apply them in daily activities.
Acquire a basic understanding of the bank’s metrics and conditions for extending credit by applying that understanding on a daily basis.
Develop the ability to monitor borrower financial performance and track compliance with loan covenants and borrowing base requirements.
Conduct industry research and prepare overviews highlighting trends and conditions impacting clients and prospects.
Become familiar with loan documentation and capable of producing summaries of important loan conditions and collateral structures.
Gain an understanding of the Bank’s ancillary products important to building the bank’s relationship with its commercial/corporate clients and assist and collaborate with internal partners to support cross-sell opportunities.