Senior Commercial Loan Portfolio Analyst

First Federal Bank of Kansas City•Leawood, KS

3d•Hybrid

About The Position

First Federal Bank of Kansas City is one of the largest mutually owned banks in the Midwest and has been a strong banking and lending partner to families in Kansas and Missouri for decades. We are a community-oriented, culture-focused, progress-driven Family on a mission to help people, businesses and communities build a better financial future. At First Federal, you’ll be supported by diverse, talented, energetic individuals moving toward a common vision of prosperity and a home for all. You’ll have boundless opportunities for growth – whether it’s personal or professional development to reach your career goals, company events to strengthen your connections, or volunteer work to champion our community partners. Your success is our success. When our employees feel valued, our customers feel valued, and our community grows. As a Senior Commercial Loan Portfolio Analyst, you'll play a vital role in evaluating commercial credit opportunities, monitoring portfolio performance, and partnering with our Commercial Lending team to make sound lending decisions. This is an opportunity to combine your analytical expertise with relationship-focused banking in a collaborative environment where your work has a direct impact on our customers and the communities we serve.

Requirements

Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field.
Five or more years of commercial credit analysis and/or commercial underwriting experience.
Strong understanding of commercial lending principles, credit analysis, and loan underwriting.
Knowledge of commercial lending processes.
Knowledge of basic accounting principles and financial analysis techniques.
Strong analytical, problem-solving, and critical thinking skills.
Excellent written and verbal communication skills with the ability to present recommendations clearly.
Exceptional attention to detail and organizational skills.
Proficiency in Microsoft Office, Outlook, loan operating software and core banking software.

Responsibilities

Analyzes new and existing commercial credit relationships to assess borrower creditworthiness and identify potential risks.
Reviews commercial loan applications to ensure compliance with bank lending policies and underwriting standards.
Evaluates corporate and personal financial statements, tax returns, cash flow, collateral, and other financial information to support lending decisions.
Prepares comprehensive credit analyses, financial summaries, and loan recommendations for Loan Committee approval.
Monitors customer accounts for financial performance trends, including borrowing base compliance, rent roll accuracy, net operating income, and other key indicators.
Responds to credit-related questions from relationship managers, lenders, sales teams, and customer service staff.
Researches economic, industry, and market trends to evaluate portfolio risk and support sound credit decisions.
Assists with quality control reviews within the Loan Department to ensure accuracy and regulatory compliance.
Prepares monthly and quarterly lending reports for senior management and the Board of Directors.
Conducts annual reviews of select third-party vendors providing services to the bank.
Complies with all applicable banking laws and regulations, including BSA, USA PATRIOT Act, AML requirements, and federal consumer protection regulations.