CREDIT ANALYST

Hawthorn Bank•Overland Park, KS

About The Position

The Credit Analyst analyzes financial data for new and existing commercial loans, monitors loan risk and collateral, and prepares credit reviews. The work follows standard operating policies and procedures, while requiring independent judgment and discretion. Questions or deviations from normal procedures are referred to the designated supervisor. The position maintains credit files and the integrity of the bank’s data systems, reviews loan documentation and covenants, evaluates commercial appraisals, and prepares commercial real estate evaluations using the bank’s methodologies and best practices. It also involves creating and running queries, conducting industry research, preparing routine documents and reports, responding to calls, assisting customers, and completing assigned projects. The analyst must comply with banking regulations, policies, and procedures. The role has frequent contact with lending department personnel, senior management, and customers. It may require work before or after normal business hours to meet deadlines and attend meetings, as well as job-related travel. The work environment typically has a moderate noise level.

Requirements

A four-year college degree from an accredited institution, with a major in accounting, finance, business administration, or a closely related discipline; work experience and/or college coursework may be substituted for the degree.
At least one year of professional work experience as a credit analyst or in a closely related field.
Strong oral and written communication skills, including the ability to interpret documents, write routine reports and correspondence, and speak effectively before groups.
Ability to perform basic arithmetic, compute rates, ratios, and percentages, and interpret bar graphs; excellent financial and accounting analytical skills.
Ability to follow detailed written or oral instructions and address problems involving a few concrete variables in standardized situations.
Ability to operate a telephone, 10-key calculator, typewriter, personal computer and printer, copy machine, and fax machine.
Proficiency in Word, Excel, and Outlook; advanced PC knowledge and experience with financial modeling.
Valid driver’s license.

Responsibilities

Analyze new and existing commercial credit files, including entering data, reviewing financial statements, calculating ratios, preparing credit reviews, submitting reviews for banker review and modification, assigning loan ratings, and signing and archiving completed reviews.
Maintain credit files in accordance with credit policy and preserve the integrity of bank data systems; perform documentation reviews.
Monitor, review, and analyze commercial financial reports for compliance with loan covenants.
Monitor credit risk for new and existing loans through inspection and observation.
Review commercial appraisals and evaluations in accordance with credit policy.
Prepare commercial real estate evaluations according to the bank’s methodologies and best practices.
Create and run queries and conduct industry research and analysis.
Prepare forms, reports, correspondence, and memoranda; answer calls and assist customers.
Perform assigned project work.
Comply with banking regulations, policies, and procedures.
Maintain educational and professional expertise through job-related seminars, conferences, and workshops.
Represent the bank in community activities and functions.
Participate in prospect and customer marketing calls and banker meetings.