Commercial Credit Analyst

Sunflower Bank NA•Dallas, TX

12d

About The Position

At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more about Sunflower Bank, N.A. at sunflowerbank.com. Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the full-time position of Commercial Credit Analyst in Dallas, TX. Description: The Commercial Credit Analyst will support Commercial Portfolio Managers in every aspect of the latter’s day-to-day activities.

Requirements

Bachelor’s Degree in Accounting, Finance or other applicable undergraduate or graduate degree.
1+ years in commercial lending and credit analysis.
Must possess excellent Microsoft Office Suite skills, specifically Word/Excel.
Must possess aptitude for learning new systems and applications quickly, specifically Salesforce.com and nCino Bank Operating system.
Must possess excellent verbal and written communication skills.
Must possess ability to prioritize and complete tasks or projects on time with a high level of accuracy and strong attention to detail.
Must have the 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.
Must possess ability to understand financial statements, including balance sheets, income statements, and cash flow statements.
Travel will be required, as needed.

Responsibilities

Become efficient in the use of all system and procedures used by the portfolio management group in its daily functioning including spreading software, projection and modeling software, credit approval software and formats for all formal credit recommendations of various types.
Be strong source of support to PMs by producing inputs vital to the latter’s various projects such as financial spreads, charts, models and other components; such projects to include new extensions of credit, amendments/waivers, annual reviews, and other assignments.
Acquire a basic understanding of the bank’s metrics and conditions for extending credit to its client applying that understanding on a daily basis.
Acquire a basic understanding of the bank’s metrics and conditions for tracking its client’s operating/financial performance after a loan is made including covenant and borrowing base compliances.
Become the department’s expert for performing industry overviews summarizing those industry conditions most effecting the operating/financial performance of the bank’s prospects and clients.
Become familiar with loan documentation and capable of producing summaries of important loan conditions and collateral structures.
Become familiar with loan pricing and capable of producing summaries of a client’s profitability and the return on bank equity produced by its relationship with the bank.
Gain an understanding of those ancillary products important to building the bank’s relationship with its commercial/corporate clients and assist representatives of those product areas when necessary