Commercial Credit Analyst

Description

The Commercial Credit Analyst will support Commercial Credit Underwriters in every aspect of the latter’s day-to-day activities.

Responsibilities

• Aid in financial analysis and risk assessment by preparing financial statement spreads, analyzing trends, and supporting credit underwriting decisions.
• Support Credit Underwriters in the preparation of credit memoranda for amendments, waivers, annual reviews, and other requests.
• Develop proficiency in systems and tools used by the credit team, including spreading software, financial modeling tools, and credit approval platforms.
• Build a foundational understanding of the bank’s credit policies, underwriting standards, and risk metrics, and apply them in daily activities.
• Acquire a basic understanding of the bank’s metrics and conditions for extending credit by applying that understanding on a daily basis.
• Develop the ability to monitor borrower financial performance and track compliance with loan covenants and borrowing base requirements.
• Conduct industry research and prepare overviews highlighting trends and conditions impacting clients and prospects.
• Become familiar with loan documentation and capable of producing summaries of important loan conditions and collateral structures.
• Gain an understanding of the Bank’s ancillary products important to building the bank’s relationship with its commercial/corporate clients and assist and collaborate with internal partners to support cross-sell opportunities.

Requirements

• Preferred Bachelor’s Degree in Accounting, Finance or other applicable undergraduate or graduate degree.
• 1+ years in commercial lending and credit analysis.
• Excellent Microsoft Office Suite skills, specifically Word/Excel.
• Ability to learn new systems and applications quickly, specifically Salesforce.com and nCino Bank Operating System.
• Excellent verbal and written communication skills.
• Ability to prioritize and complete tasks or projects on time with a high level of accuracy and strong attention to detail.
• Ability to remain educated and informed on industry trends, market conditions and regulatory requirements and actively work to continuously develop professionally.
• Able to handle sensitive information with complete confidentiality and professionalism.
• Ability to understand financial statements, including balance sheets, income statements, and cash flow statements.
• Travel will be required, as needed.

Qualifications

• Must possess excellent Microsoft Office Suite skills, specifically Word/Excel.
• Must possess aptitude for learning new systems and applications quickly, specifically Salesforce.com and nCino Bank Operating System.
• Must possess excellent verbal and written communication skills.
• Must possess ability to prioritize and complete tasks or projects on time with a high level of accuracy and strong attention to detail.
• Must have the ability to remain educated and informed on industry trends, market conditions and regulatory requirements and actively work to continuously develop professionally.
• Must possess ability to understand financial statements, including balance sheets, income statements, and cash flow statements.
• Must have the ability to handle sensitive information with complete confidentiality and professionalism.

Skills

• Financial Analysis
• Risk Assessment
• Microsoft Office Suite
• Financial Modeling Tools
• Credit Approval Platforms
• Commercial Lending
• Loan Documentation
• Industry Research
• Loan Covenants
• Borrowing Base Requirements
• Loan Memoranda
• Loan Conditions
• Credit Policies
• Underwriting Standards
• Bank Ancillary Products
• Internal Partnerships
• Customer Relationship Management

Benefits

• 401(k) Plan with 6% Match
• Health/Dental/Vision Insurance
• Company-paid Life Insurance
• Tuition Reimbursement
• Fitness Reimbursement
• Paid Time Off
• Volunteer Leave
• Paid Holidays
• Plus many more associate perks & incentives!

Pay

Pay is dependent on knowledge, skills, abilities, experience, and location.

Schedule

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.

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.

Sunflower Bank Benefits

People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team.

Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are:

• Rooted in Strength
• Propelled by Growth
• Individuals in a Great Whole
• Creating Possibility
• Community Focused

Associates enjoy outstanding benefits, including:

• 401(k) Plan with 6% Match
• Health/Dental/Vision Insurance
• Company-paid Life Insurance
• Tuition Reimbursement
• Fitness Reimbursement
• Paid Time Off
• Volunteer Leave
• Paid Holidays
• Plus many more associate perks & incentives!

EOE/AA

Equal Opportunity Employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.

Application Information

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