CoreFirst Bank & Trust · 1 month ago
Commercial Credit Analyst II
Topeka, KS
Full-time
Onsite
Mid Level
3+ years expCoreFirst Bank & Trust is seeking a Commercial Credit Analyst II to conduct high-level analyses of commercial/business loans. The role involves evaluating loan requests, analyzing financial information to assess risks, and preparing credit presentations for decision-making.
Banking
Responsibilities
Reviews credit data to evaluate commercial/business loan requests in order to approve or deny applications and review existing credit relationships for ongoing credit worthiness
Analyzes sources of financial information to determine potential risks of a loan
Prepares written credit presentations for submission to Officers and committees
Analyze and interpret financial and other credit related information to assess the financial condition and risk of financing requests, to include commercial, construction, real estate and consumer, within the framework of the Bank’s credit standards
Applies accounting acumen and financial expertise to spread all types of financial information using financial software and interpret the resulting financial metrics used in the credit decision process
Able to use independent judgment in the identification of key strengths and weaknesses of a wide variety of credit types
Understand the different types of financing products available and how they are used to need a borrower’s needs
Assist in the preparation of credit presentations through formal written financial analysis, industry peer analysis, collateral analysis, gathering relevant market data, personal credit report analysis, and any other analysis deemed appropriate for the request
Follows Bank policies and procedures
Assists in training more junior Credit Analysts in the interpretation of financial statements, the technical aspects of the analysis of financial statements, global cash flow analysis, etc
Provide quality service to internal customers through undertaking risk assessment analysis of various types of lending proposals
Possesses a working knowledge of Sageworks software which is used by the bank to perform analysis and prepare credit submissions
Qualification
Required
Bachelor's degree in Accounting, Finance, Business Administration, or Economics
Minimum of 3 years of relevant job experience
Experience and training in financial statement and tax return analysis
Basic knowledge of commercial, construction, real estate, and consumer lending
Thorough understanding of financial statements, including balance sheets, income statements, and statements of cash flow as well as the ability to analyze and interpret the content
Basic knowledge of state and federal loan regulations and Bank lending policies
Excellent time management skills with the ability to manage multiple and changing deadlines with limited supervision and significant analytical thinking
Dedicated, goal oriented, and an energetic self-starter
Effective verbal and written communication skills
Proficient with Microsoft Word and Excel
Possesses a working knowledge of Sageworks software which is used by the bank to perform analysis and prepare credit submissions
Applicants must pass a drug screen and background checks
Internal applicants must be meeting the minimum requirements of their current job and submit a cover letter and resume via the employee portal
Company
CoreFirst Bank & Trust
CoreFirst Bank & Trust is a Kansas based bank that offers products and solutions for both consumers and business, including banking products, trust services and investment services*.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Jillinda Ansell, SPHR
HR Business Partner, Compensation & Benefits
Todd Karnatz
Chief Credit Officer
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