Senior Credit Analyst

Central Bank Of Kansas City • Kansas City, MO

9d

About The Position

Central Bank of Kansas City (CBKC) is seeking an experienced Senior Credit Analyst to join its Credit team. This role focuses on providing high-quality underwriting and independent credit analysis for complex Commercial & Industrial (C&I) and Commercial Real Estate (CRE) relationships. The ideal candidate will go beyond number calculation to understand the business and transaction, identify repayment sources, discern risks, ask insightful questions, and communicate well-supported conclusions. This position also involves serving as a technical resource for other analysts, contributing to the strengthening of underwriting standards, analytical quality, and the overall credit process. As a Community Development Financial Institution, CBKC finances projects and businesses with significant community impact, making experience with affordable housing, Low-Income Housing Tax Credits, New Markets Tax Credits, or other community-development structures valuable, though a demonstrated ability and willingness to learn complex structures is equally important.

Requirements

• Approximately 5 or more years of progressively responsible commercial credit analysis, underwriting, or related commercial banking experience. Equivalent depth of experience will be considered.
• Demonstrated underwriting experience with both C&I and Commercial Real Estate transactions.
• Strong knowledge of commercial financial statements, tax returns, cash flow analysis, debt service capacity, leverage, liquidity, and guarantor analysis.
• Experience evaluating CRE cash flow, rent rolls, leases, appraisals, loan-to-value, and sponsor support.
• Ability to independently underwrite more complex transactions and identify material credit issues with limited direction.
• Strong written credit-presentation and verbal communication skills.
• Sound judgment, intellectual curiosity, organization, and attention to detail.
• Ability to manage multiple priorities and deadlines while maintaining analytical quality.
• A bachelor’s degree in finance, accounting, business, economics, or a related field is preferred. Equivalent relevant commercial-credit and underwriting experience may be considered.
• Formal credit training or advanced banking education is valued.

Nice To Haves

• Experience mentoring or providing technical guidance to less-experienced analysts is preferred.
• Experience in one or more of the following areas is helpful but not required: Affordable-housing or LIHTC financing; New Markets Tax Credit transactions; Community-development finance or CDFI lending; Layered public-private capital structures; or Construction lending and other complex CRE transactions.

Responsibilities

• Independently underwrite new, renewal, modification, and annual-review requests involving C&I and CRE relationships.
• Evaluate primary and secondary repayment sources and identify the assumptions on which repayment depends.
• Analyze borrower and guarantor financial condition, historical performance, projections, liquidity, leverage, collateral, and industry considerations.
• Prepare clear, decision-useful credit presentations identifying strengths, weaknesses, material risks, mitigants, and unresolved questions.
• Evaluate loan structure, amortization, tenor, covenants, collateral, guarantor support, and other terms relative to identified risks.
• Support accurate and well-documented risk-rating recommendations.
• Analyze business financial statements, tax returns, interim results, projections, and recurring cash flow.
• Evaluate working-capital cycles, accounts receivable, inventory, customer and vendor concentrations, borrowing-base considerations, and liquidity needs.
• Assess leverage, fixed-charge coverage, global cash flow, management performance, owner distributions, affiliate activity, and guarantor support.
• Recommend structural and covenant protections appropriate to the borrower’s operating risks.
• Underwrite investment CRE, owner-occupied CRE, and construction or development transactions.
• Evaluate property-level cash flow, debt-service coverage, occupancy, lease terms, tenant concentration, rollover risk, and sponsor support.
• Review appraisals, rent rolls, operating statements, construction budgets, sources and uses, equity contributions, and other third-party information.
• Assess loan-to-value, debt yield, breakeven occupancy, and sensitivity to changing rents, vacancy, expenses, capitalization rates, and interest rates.
• Evaluate sponsor liquidity, contingent liabilities, global cash flow, and the ability to support a project when needed.
• Analyze affordable-housing, LIHTC, NMTC, and other mission-oriented transactions when assigned.
• Develop an understanding of layered capital structures involving tax-credit equity, subordinate debt, grants, and public or nonprofit funding.
• Work with lenders, legal counsel, and internal subject-matter experts to understand specialized structures and clearly document material risks.
• Perform annual reviews, covenant testing, borrowing-base analysis, and other ongoing portfolio monitoring.
• Identify and promptly communicate material changes in borrower performance, collateral, guarantor strength, industry conditions, or repayment capacity.
• Support watch-list reviews, criticized-credit monitoring, and action-plan development when requested.
• Work collaboratively with lenders and Commercial Lending Coordinators to obtain information and complete reviews within established deadlines.
• Serve as a technical resource and informal mentor to Credit Analysts.
• Provide peer input on complex analytical issues when requested by the Credit Manager.
• Help identify recurring underwriting issues, training needs, and opportunities to improve templates, standards, and quality-control practices.
• Contribute to a culture where thoughtful questions, respectful challenge, accountability, and continuous learning are expected.

Benefits

• Opportunity to work on a diverse portfolio of traditional commercial and mission-oriented transactions.
• Opportunity to help shape a thoughtful, consistent, and effective credit process.
• Positive, high-energy environment.
• Courtesy and respect in all interactions.
• Ownership, urgency, accuracy, and responsiveness.
• Showcasing and supporting people and businesses working hard in the communities served.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior