Business Banking Senior Credit Analyst

About the role

Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to join as a full-time Business Banking Senior Credit Analyst. This role plays a leading part in supporting the Business Banking team with centralized underwriting needs, portfolio management, and other complex credit functions.

Responsibilities

• Produce complex credit analysis assignments for the line of business, including new extensions of credit, renewals, annual reviews, modifications, and other tasks.
• Take a leading role in underwriting goals by providing guidance and training to other analysts on the team.
• Understand the bank’s metrics and conditions for tracking client operating and financial performance post-loan origination, including covenant monitoring and borrowing base compliance.
• Demonstrate a firm understanding of the bank’s loan policy and program for extending credit.
• Provide front-end support for loan request packages to ensure all pertinent financial information is included in the credit file.
• Develop a strong understanding of loan documentation and produce summaries of important loan conditions and collateral structures.
• Become proficient in the use of all systems and procedures used by Business Banking, including spreading software, credit approval software, and formats for formal credit recommendations.
• Adapt to an adjusted work schedule, including overtime and evening/weekend hours, to meet deadlines as required.
• Travel may be required as needed.

Requirements

• Bachelor’s Degree in Accounting, Finance, or another applicable undergraduate or graduate degree preferred. In lieu of a degree, completion of a formal credit training program or certification is required.
• Minimum of three (3) years in a commercial credit analysis function.
• Experience analyzing complex credit data and financial statements to assess risk in extending credit.
• Proven ability to think critically and communicate results concisely and clearly, both verbally and in writing.
• Solid business communication skills, including professional writing with correct grammar and sentence structure.
• Ability to prioritize and complete tasks or projects on time.
• Commitment to staying educated on industry trends, market conditions, and regulatory requirements, with a focus on continuous professional development.
• Strong customer service skills.
• Good organizational skills, high level of accuracy, and strong attention to detail.
• Ability to handle sensitive information with complete confidentiality and professionalism.
• Proficiency in current technology, including personal computers, Microsoft Office (Outlook, Word, Excel), and other technology-based tools.
• Aptitude for learning new systems and applications quickly, specifically Salesforce.com and nCino Bank Operating System.

Working Conditions

The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus.

Benefits

• 401(k) Plan with 6% Match
• Health, Dental, and Vision Insurance
• Company-paid Life Insurance
• Tuition Reimbursement
• Fitness Reimbursement
• Paid Time Off
• Volunteer Leave
• Paid Holidays
• Additional associate perks and incentives