Credit Analyst

Union State Bank • Wichita, KS

4d • Onsite

About The Position

The Credit Analyst position is a role primarily centered on risk management of the loan portfolio. The Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. The successful candidate is a detail-oriented and highly analytical professional who demonstrates strong critical thinking, intellectual curiosity, sound judgment, and the ability to proactively identify and resolve issues. The Credit Analyst serves as a trusted partner to lenders and management by delivering accurate, timely, and well-supported risk assessments that contribute to informed credit decisions and overall portfolio quality.

Requirements

• Knowledge of finance, accounting, and economics, as would be acquired through a four-year, college level course of study & continuing education in one of the above fields.
• Understanding of laws, rules & regulations affecting banking/lending industry as would be acquired through 2 years of experience in banking or related field.
• Exceptional attention to detail and commitment to accuracy.
• Strong analytical and quantitative problem-solving abilities.
• Demonstrated critical thinking and sound decision-making skills.
• Ability to independently manage priorities and execute responsibilities with minimal supervision.
• Intellectual curiosity and willingness to investigate complex borrower situations and identify underlying risks.
• Strong written and verbal communication skills with the ability to clearly articulate financial analysis and credit recommendations.
• Ability to analyze large amounts of financial and operational information into meaningful conclusions.
• Effective organizational and time management skills with the ability to manage multiple deadlines.
• Proficiency in Microsoft Excel, including financial analysis, data manipulation, and reporting.
• Ability to maintain confidentiality and exercise professional judgment when handling sensitive information.
• Ability to challenge assumptions respectfully and constructively while maintaining strong working relationships.

Nice To Haves

• Formal credit training and/or prior experience analyzing commercial, agricultural, consumer, or real estate credits is preferred but not required.
• Previous loan experience helpful but not required.

Responsibilities

• Provide quality internal customer service by communicating risk assessments on various types of loans from the simple to the complex.
• Analyze financial information including tax returns, accounts receivable aging, inventory reports, cash flow statements, etc. for various types of business entities and individuals.
• Analyze commercial, agricultural, consumer, and commercial real estate relationships, including evaluation of industry conditions, market trends, borrower management strength, and repayment capacity.
• Assess borrower cash flow, liquidity, leverage, guarantor strength, collateral coverage, and overall repayment capacity.
• Identify key risks, strengths, mitigating factors, and industry considerations affecting credit quality.
• Recommend appropriate risk ratings consistent with Bank policies and regulatory guidance.
• Monitor assigned credits for deteriorating trends and communicate concerns proactively to management.
• Perform collateral inspections, i.e. floor plan inspections, real estate inspections, cattle inspections, etc. and complete inspection reports
• Review and decision advance requests for draw down line of credits.
• Work with collateral processes such as UCC and Mortgage Filings.
• Review appraisals, complete appraisal reviews, and conduct internal evaluations
• Complete quarterly loan reviews of specific credits.
• Prepare clear, concise, and well-supported credit memoranda for loan committee and board review.
• Stay informed with ongoing training to learn and keep up with legal and compliance issues that affect credit decisions daily.
• Keep up to date with lending regulations and recommend changes that may affect credit decisions.
• Maintain regular and reliable attendance and punctuality following established attendance and call-in procedures.
• Perform other duties as may be required or assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level