Credit Analyst II/Senior

Cornerstone Bank - Overland Park, KS•Overland Park, KS

37d•Hybrid

About The Position

Cornerstone Bank is seeking a Credit Analyst II/Senior to assess the creditworthiness of potential commercial loan customers, including payment terms and credit limits, and identify special credit arrangements and deviations from standard terms of payment. This role involves completing loan applications, including credit analyses and credit memorandums, and submitting them to loan committees for approval. The ideal candidate will have a strong attention to detail, excellent time management skills, and a passion for financial analysis. This position offers the opportunity to gain a deeper understanding of community banking operations and play a critical role in the commercial loan credit approval process. Responsibilities include processing credit applications, initiating inquiries into customer references, generating financial ratios to evaluate customer financial status, and comparing financial data with industry benchmarks. The role also involves monitoring credit risk, maintaining customer credit files, reviewing credit histories, assisting with credit policy implementation, preparing risk assessment reports, and recommending payment plans.

Requirements

One or more years of commercial credit analyst (bank) experience required.
Strong organizational, communication, and problem-solving skills.
Pride in the accuracy of their work.
Strong attention to detail.
Excellent time management skills.
Ability to understand and follow written and verbal instructions.
Acute attention to detail.
Possess good judgement with the ability to make timely and sound decisions.
Versatile, flexible, and willing to work within constantly changing priorities with enthusiasm.
Ability to research and evaluate data to make informed decisions and solve problems.
Sense of discretion and willingness to maintain strict confidentiality of pertinent and sensitive information.
Tech savvy and a quick learner.
Proficiency in Microsoft Office Suite (Outlook, Word, Excel).
Ability to maintain regular attendance and be punctual.
Ability to complete assigned tasks without direct supervision.
Ability to work and sustain attention with distractions and/or interruptions and multitask without loss of efficiency or accuracy.
Ability to perform under stress.
Ability to interact appropriately with a variety of individuals including customers/clients.
Ability to perform in situations requiring speed and deadlines.
Ability to work as an integral part of the team.

Nice To Haves

Bachelor's Degree (BA) from four-year college or university preferred.
One to two years of related experience and/or training, or equivalent combination of education and experience.
Experience with Suntell document imaging system.
Experience with core banking system (Fiserv).

Responsibilities

Assess the creditworthiness of potential commercial loan customers, including payment terms and credit limits.
Identify special credit arrangements and deviations from standard terms of payment.
Complete loan applications, including credit analyses and credit memorandums.
Submit loan applications to loan committees for approval.
Process credit applications.
Initiate inquiries into customer bank and trade references.
Generate financial ratios to evaluate customers' financial status.
Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
Monitor the credit risk associated with customer accounts.
Establish and maintain customer credit files/database.
Review customers’ credit histories.
Assist with the establishment and implementation of credit policy.
Prepare reports that include the degree of risk involved in extending credit or lending money.
Evaluate customer records and recommend payment plans based on applicable data.