Credit Analyst - Wichita, KS

Equity Bank•Wichita, KS

1d•Onsite

About The Position

Equity Bank is hiring a full-time Credit Analyst in its Credit Administration department in Wichita, Kansas. The position is on-site and focuses on preparing credit presentations and annual reviews, analyzing borrower financial information and collateral, and supporting informed loan decisions by approval authorities. The analyst works closely with loan officers and may communicate with customers, CPAs, and other advisors to gather and confirm information. The role also involves learning and applying the bank’s lending policies, underwriting guidelines, procedures, loan documentation, and applicable laws and regulations; monitoring and reporting responsibilities; and completing other assigned duties.

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 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 prepare consistent financial spreads and analyze borrowers’ financial activities.
Identify material changes and trends in balance sheets and income statements.
Complete deal-specific and global cash flow analyses.
Assess the adequacy of collateral securing loans.
Prepare clear, reader-friendly credit presentations and annual reviews that accurately describe Equity Bank’s position regarding the credit facilities.
Manage relationships with loan officers and use written and oral communication to obtain needed information for requests and annual reviews 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 presentations to approval authorities.
Develop familiarity with loan policy, underwriting guidelines, credit procedures, commercial loan types and structuring, commercial loan documentation, real estate appraisals and evaluations, and environmental reports.
Communicate with customers, CPAs, and advisors to relay and obtain information.
Maintain a positive professional image for Equity Bank and provide a friendly customer-service experience.
Manage other 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 and regulations, including Equity Bank’s Business Ethic and Conduct policy, Bank Secrecy Act, information security, and Suspicious Activity Reporting requirements.
Perform other duties as assigned or required.