Credit Analyst - Wichita, KS

Equity Bank•Wichita, KS

1d•Onsite

About The Position

Equity Bank is hiring a full-time, salaried Credit Analyst in its Credit Administration Department in Wichita, Kansas. The role prepares high-quality credit presentations and annual reviews for internal and external approval authorities by spreading and analyzing borrower financial information, identifying material changes and trends, assessing cash flow and collateral, and presenting a clear picture of the bank’s position on each credit facility. The analyst works closely with loan officers and, when needed, customers, CPAs, and other advisors to obtain and confirm information for credit applications and annual reviews. The position also requires familiarity with commercial lending, loan policy and underwriting procedures, loan documentation, appraisals, environmental reports, and customer relationships. Additional work includes monitoring financial covenants and borrowing base certificates, preparing reports, and completing other assigned projects and duties. The role is on-site and regularly based in an office, with frequent use of computers and electronic media.

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 in 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 credit analysis 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 high-quality credit presentations and annual reviews for internal and external approval authorities.
Use customer-provided information to produce consistent financial spreads.
Analyze financial spreads, emphasizing the borrower’s financial activities.
Identify material changes and trends in borrowers’ balance sheets and income statements.
Complete deal-specific and global cash flow analyses.
Identify and analyze the adequacy of loan collateral.
Write reader-friendly credit presentations and annual reviews that accurately convey Equity Bank’s position on the credit facilities.
Manage relationships with loan officers and use written and oral communication to obtain required information in a timely manner.
Work with loan officers to contact customers, CPAs, and advisors when needed.
Confirm credit applications and annual reviews with officers to support accurate approval decisions.
Develop familiarity with loan policy, underwriting guidelines, credit procedures, commercial loan types and structures, loan documentation, appraisals, evaluations, environmental reports, and customer relationships.
Communicate with customers, CPAs, and advisors to relay and obtain information.
Maintain a positive professional image for Equity Bank and a friendly customer-service image with customers.
Manage related 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.