Senior Commercial Loan Portfolio Analyst
About the role
As a Senior Commercial Loan Portfolio Analyst at First Federal Bank of Kansas City, you will play a vital role in evaluating commercial credit opportunities, monitoring portfolio performance, and partnering with the Commercial Lending team to make sound lending decisions. This role combines your analytical expertise with relationship-focused banking in a collaborative environment where your work directly impacts our customers and the communities we serve.
Responsibilities
- Analyzes new and existing commercial credit relationships to assess borrower creditworthiness and identify potential risks.
- Reviews commercial loan applications to ensure compliance with bank lending policies and underwriting standards.
- Evaluates corporate and personal financial statements, tax returns, cash flow, collateral, and other financial information to support lending decisions.
- Prepares comprehensive credit analyses, financial summaries, and loan recommendations for Loan Committee approval.
- Maintains customer accounts for financial performance trends, including borrowing base compliance, rent roll accuracy, net operating income, and other key indicators.
- Responds to credit-related questions from relationship managers, lenders, sales teams, and customer service staff.
- Researches economic, industry, and market trends to evaluate portfolio risk and support sound credit decisions.
- Affixes quality control reviews within the Loan Department to ensure accuracy and regulatory compliance.
- Prepares monthly and quarterly lending reports for senior management and the Board of Directors.
- Conducts annual reviews of select third-party vendors providing services to the bank.
- Complies with all applicable banking laws and regulations, including BSA, USA PATRIOT Act, AML requirements, and federal consumer protection regulations.
Requirements
- Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field.
- Five or more years of commercial credit analysis and/or commercial underwriting experience.
- Strong understanding of commercial lending principles, credit analysis, and loan underwriting.
- Knowledge of commercial lending processes.
- Knowledge of basic accounting principles and financial analysis techniques.
- Strong analytical, problem-solving, and critical thinking skills.
- Excellent written and verbal communication skills with the ability to present recommendations clearly.
- Exceptional attention to detail and organizational skills.
- Proficiency in Microsoft Office, Outlook, loan operating software and core banking software.
Qualifications
- Passionate about helping local businesses thrive while protecting the financial strength of a community bank.
- Experience in a similar role preferred.
- Ability to work independently and as part of a team.
- Strong interpersonal and communication skills.
Skills
- Commercial Credit Analysis
- Loan Underwriting
- Financial Analysis
- Microsoft Office Suite
- Loan Operating Software
- Core Banking Software
Benefits
- Hybrid work option - 3 days in office (Tues - Thurs) and 2 days remote/from home.
- Community-focused, family-oriented culture.
- Opportunities for personal and professional growth.
- Support for employee well-being and engagement.
Pay
Competitive salary based on experience and qualifications.
Schedule
Hybrid work option - 3 days in office (Tues - Thurs) and 2 days remote/from home.
Why Join Us?
Be part of a mutually owned, community-focused bank where decisions are made locally and relationships come first. Make a meaningful impact by helping local businesses grow while supporting the financial strength of your community. Enjoy the opportunity to influence lending decisions and contribute to the long-term success of both our customers and the bank.