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Equity Bank · 14 hours ago

Credit Analyst - Overland Park, KS

Overland Park, KS

Full-time

Onsite

New Grad, Entry Level

Equity Bank is a full-service community bank based in Wichita, Kansas, looking for a Credit Analyst to join their Credit Administration department. The role involves producing high-quality credit presentations, analyzing financial data, and managing relationships with loan officers to support the bank's lending processes.

BankingFinanceFinancial Services

H1B Sponsor Likely

Responsibilities

Produce high quality credit presentation /annual reviews for use by various Approval Authorities (Internal and External):

Use customer-provided information to produce consistent financial spreads

Analyze the produced financial spreads with analysis emphasis on all financial activities of the borrower

Identifies material changes and / or trends in the balance sheet and income statement

Completes deal specific and global cash flow analysis

Identifies and analyzes the adequacy of the collateral securing the loan(s)

Creates a well-written credit presentation /annual review that is reader friendly and effectively exemplifies the “true” position that Equity Bank maintains with respect to the credit facility(ies) under discussion

Manage relationships with Loan Officers

Utilize written and oral communication skills to obtain all the needed information for any requests/annual reviews that are under discussion in a timely manner

In conjunction with Loan Officer contacts customers, CPAs and advisors when needed

Confirm all credit applications/annual reviews with officers in order to present the Approval Authorities with the best, most accurate product so that they can make an educated decision on the loan(s) under discussion

General banking / credit related knowledge – Credit Analyst I will become familiar with and understand:

Loan Policy, underwriting guidelines and credit procedures

Commercial loan types and their uses in loan structuring

Commercial loan documentation including security documents (UCCs, Security Agreements, Real Estate Mortgages, Assignment of Leases and Rents)

Real estate appraisals and evaluations, both internal and from 3rd party vendors

Environmental reports

Customer relationships

Utilize written and oral communication skills to relay and acquire information to and from customers, CPAs and advisors

Develop and maintain a positive professional image for Equity Bank

Create a friendly, customer service image to customers

Reports and responsibilities

Manage Other Related Projects as assigned, including:

Financial Covenant Monitoring / Approval

Borrowing Base Certificate Monitoring / Approval

Prepare Weekly, Monthly, Quarterly, and Annual Reports as assigned

Understand and follow the applicable laws and regulations for job responsibilities including but not limited to Equity Bank Business Ethic and Conduct policy, Bank Secrecy Act, Information security, and Suspicious Activity Reporting (“SAR”) requirements

Perform other duties as assigned or required

Qualification

Financial AnalysisCredit EvaluationMicrosoft ExcelBachelor’s DegreeProject ManagementAttention to DetailCritical ThinkingCommunication Skills

Required

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 a thorough analysis of credit data

Effective written and verbal communication skills to clearly convey credit analysis findings and recommendations to stakeholders, including senior management

Proficiency in Microsoft Office Suite, particularly Excel

Capable of managing multiple projects simultaneously and meeting deadlines in a fast-paced environment

Benefits

Health, Dental & Vision Insurance

Group Life & Long-Term Disability Insurance

Flexible Spending & Health Savings Accounts

Group Cancer Insurance

401(K) Retirement Plan w/ Company Match

Generous Vacation & Sick Time

Employee Stock Purchase Plan (ESPP)

Pet Insurance

Retail Banking Benefits

Company

Equity Bank

Glassdoor3.7

Equity Bank is a commercial bank that offers financial services.

Founded in 2002

Wichita, Kansas, USA

501-1000 employees

https://www.equitybank.com/

H1B Sponsorship

Equity Bank has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

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Trends of Total Sponsorships

2021 (1)