Credit Analyst - Des Moines

Equity Bank•Des Moines, IA

2d•Onsite

About The Position

Equity Bank is hiring a Credit Analyst for its Credit Administration department in Des Moines, Iowa. This full-time, salaried, on-site role produces credit presentations and annual reviews for internal and external approval authorities. The analyst uses customer-provided information to prepare financial spreads, evaluate borrower financial activity and trends, perform cash flow analyses, assess collateral, and produce clear, accurate credit documents that reflect the bank’s position on the facilities under review. The role works closely with loan officers and, when needed, customers, CPAs, and advisors to obtain information and confirm credit applications and annual reviews. The analyst develops knowledge of the bank’s loan policy, underwriting guidelines, credit procedures, commercial loan products and documentation, appraisals, evaluations, and environmental reports. Other work includes covenant and borrowing base monitoring and approval, assigned periodic reporting, and compliance with applicable laws, regulations, and bank policies. Equity Bank is a full-service community bank based in Wichita, Kansas, with 72 offices across Kansas, Missouri, Arkansas, and Oklahoma. It describes its workplace as team-oriented and community-focused, with opportunities for volunteer service and personal and professional growth. The position regularly works in an office setting and uses computers and electronic media. The role’s physical requirements include regular standing, walking, bending, and squatting; occasional lifting, carrying, moving, or pushing up to 25 pounds; and the ability to talk and listen to others.

Requirements

Bachelor’s degree in finance, accounting, economics, business administration, or a related field.
High level of accuracy and attention to detail to identify risk factors and ensure quality credit evaluations.
Ability to think critically and make informed decisions based on thorough analysis of credit data.
Effective written and verbal communication skills to convey findings and recommendations to stakeholders, including senior management.
Proficiency in Microsoft Office Suite, particularly Excel.
Ability to manage multiple projects simultaneously and meet deadlines in a fast-paced environment.

Responsibilities

Prepare consistent financial spreads from customer-provided information and analyze borrowers’ financial activities.
Identify material changes and trends in balance sheets and income statements.
Complete deal-specific and global cash flow analyses.
Identify and analyze the adequacy of collateral securing loans.
Prepare clear, accurate credit presentations and annual reviews for internal and external approval authorities.
Communicate with loan officers to obtain required information promptly and confirm credit applications and annual reviews.
Work with loan officers to contact customers, CPAs, and advisors when needed.
Develop and maintain professional, customer-service-oriented relationships with customers, CPAs, and advisors.
Become familiar with and understand loan policy, underwriting guidelines, credit procedures, commercial loan types and uses, commercial loan documentation, real estate appraisals and evaluations, and environmental reports.
Manage assigned projects, including financial covenant monitoring and approval and borrowing base certificate monitoring and approval.
Prepare weekly, monthly, quarterly, and annual reports as assigned.
Follow applicable laws, regulations, and bank policies, including business ethics and conduct, Bank Secrecy Act, information security, and Suspicious Activity Reporting requirements.
Perform other duties as assigned or required.