Business Banking Senior Credit Analyst

About the role

Sunflower Bank, N.A. is a full-service financial institution offering relationship-focused services to meet personal, business, and wealth-management financial objectives. As a Business Banking Senior Credit Analyst, you will play a leading role in supporting the Business Banking team with centralized underwriting needs, portfolio management, and other complex credit functions.

Responsibilities

• Produce complex credit analysis assignments, including new extensions of credit, renewals, annual reviews, modifications, and other tasks.
• Lead underwriting goals by providing guidance and training to other analysts on the team.
• Monitor and track client operating and financial performance post-loan origination, including covenant monitoring and borrowing base compliance.
• Apply a firm understanding of the bank’s loan policy and program for extending credit.
• Support front-end loan request packages to ensure all pertinent financial information is included in the credit file.
• Demonstrate a strong understanding of loan documentation and summarize key loan conditions and collateral structures.
• Utilize systems and procedures essential to Business Banking, including spreading software, credit approval software, and formal credit recommendation formats.
• Adapt to an adjusted work schedule, including overtime and evening/weekend hours, to meet deadlines.
• Stay proficient in current technology, including Microsoft Office, Salesforce.com, and nCino Bank Operating System.
• Travel as needed.

Requirements

• Bachelor’s Degree in Accounting, Finance, or a related field (preferred). In lieu of a degree, completion of a formal credit training program or certification is required.
• Minimum of three (3) years in commercial credit analysis.
• Experience analyzing complex credit data and financial statements to assess risk in extending credit.
• Proven ability to think critically and communicate results concisely, both verbally and in writing.
• Strong business communication skills, including professional writing with correct grammar and sentence structure.
• Ability to prioritize tasks and complete projects on time.
• Commitment to staying informed on industry trends, market conditions, and regulatory requirements.
• Strong customer service skills and high attention to detail.
• Ability to handle sensitive information with confidentiality and professionalism.
• Proficiency in current technology, including personal computers, Microsoft Office (Outlook, Word, Excel), and aptitude for learning new systems quickly.

Working Conditions

The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Responsibilities may include:

• Extended periods of sitting or standing while using computers or other equipment.
• Regular walking, occasional bending, stooping, kneeling, or climbing.
• Lifting or moving items weighing up to 10 pounds.
• Close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus.

Benefits

Sunflower Bank offers a supportive culture with opportunities for growth and development. Associates enjoy the following benefits:

• 401(k) Plan with a 6% company match.
• Health, dental, and vision insurance.
• Company-paid life insurance.
• Tuition reimbursement.
• Fitness reimbursement.
• Paid time off and volunteer leave.
• Paid holidays.
• Additional associate perks and incentives.