First State Bank & Trust · 2 weeks ago
Sr, Credit Analyst Commercial Banking
Tonganoxie, KS
Full-time
Onsite
Mid, Senior Level
4+ years expFirst State Bank & Trust is a community bank located in northeast Kansas, seeking a Credit Risk Officer to join their Risk Management team. The role involves underwriting complex commercial loans, maintaining annual reviews, evaluating collateral, and monitoring portfolio risk to ensure compliance and enhance credit operations.
BankingCommunitiesFinancial Services
Responsibilities
Provides the highest level of customer service at all times and is expected to work as a team with all employees and Departments to accomplish goals
Responsible for the independent underwriting of large, complex credits on new and existing borrowers with an emphasis on global cash flow analysis while maintaining accuracy and efficiency
Maintain the annual review program for the bank’s commercial loan portfolio, producing quality, uniform, and clear annual reviews with an emphasis on transparency and exemplifying the true position of the Bank
Utilizes written and oral communication skills to obtain all needed information for any new requests and/or annual reviews that are under discussion
Manage the appraisal review program, identifying and analyzing the adequacy of the collateral securing loans (especially loan approvals contingent upon appraisals and prior to funding)
Conduct portfolio-wide stress testing and scenario analysis to evaluate potential portfolio risk / vulnerabilities
Monitor macroeconomic and industry trends that may impact borrower performance
Participate in regulatory examinations and other loan related audits, as needed
Administrator for TAC financial spreading software and outsourced credit underwriting needs
Assists with management of the bank’s loan purchasing programs
Understanding of state and federal banking regulations and guidance affecting credit risk
Understanding of all commercial loan types and their uses in loan structuring and the development or risk mitigant recommendations. Including specialized lending, SBA loans, CRE, construction and development, and C&I
Familiarity with commercial loan documentation including all documents pertaining to attachment and perfection
Assists with bank wide financial spreadsheet program and producing financial spreadsheets with analysis emphasizing global cash flow
Expected to become knowledgeable on First State Bank & Trust Credit Policy, underwriting guidelines and standards, and general credit procedures; be able to discern when it is appropriate to make documentation exceptions and communicate credit-related decisions in a positive and constructive manner
Ensure compliance with internal credit policies, banking regulations, and industry standards
Provide support to Commercial Real Estate Committee, Loan Management Committee, and Policy & Risk Management Committee, as needed
Review and recommend to Sr. VP/Risk Officer new methods, procedures, programs and policies to make credit operations more efficient and effective
Review and recommend to Sr. VP/Risk Officer new software, software contracts, and hardware purchase for credit risk management functions
Ability to prioritize, multi-task, and work with multiple Commercial Loan Officers
Strong attention to detail and ability to notice possible discrepancies in data presented for review
Qualification
Required
Bachelor's degree preferably in finance, accounting, or business
4-7 years related experience and/or training preferably in risk or financial analysis
Strong analytical and communication skills
Broad knowledge of commercial lending and credit regulations
Ability to collaborate effectively across departments
Ability to manage multiple priorities with accuracy and attention to detail
Understanding of state and federal banking regulations and guidance affecting credit risk
Understanding of all commercial loan types and their uses in loan structuring and the development or risk mitigant recommendations
Familiarity with commercial loan documentation including all documents pertaining to attachment and perfection
Expected to become knowledgeable on First State Bank & Trust Credit Policy, underwriting guidelines and standards, and general credit procedures
Ensure compliance with internal credit policies, banking regulations, and industry standards
Ability to prioritize, multi-task, and work with multiple Commercial Loan Officers
Strong attention to detail and ability to notice possible discrepancies in data presented for review
Preferred
Equivalent combination of education and experience
Experience with TAC financial spreading software and outsourced credit underwriting needs
Experience with bank wide financial spreadsheet program and producing financial spreadsheets with analysis emphasizing global cash flow
Participation in regulatory examinations and other loan related audits
Company
First State Bank & Trust
First State Bank & Trust is a community bank based in Kansas.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Jilinda White
CEO
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