Senior Credit Analyst

About the Role

Central Bank of Kansas City (CBKC) is seeking an experienced Senior Credit Analyst to join our Credit team. This senior individual-contributor position provides high-quality underwriting and independent credit analysis for complex Commercial & Industrial (C&I) and Commercial Real Estate (CRE) relationships. As a Community Development Financial Institution, CBKC also finances projects and businesses that create meaningful community impact. Experience with affordable housing, Low-Income Housing Tax Credits, New Markets Tax Credits, or other community-development structures is valuable—but a demonstrated ability and willingness to learn complex structures is equally important.

Responsibilities

• Underwrite Commercial Credits
  • Independently underwrite new, renewal, modification, and annual-review requests involving C&I and CRE relationships.
  • Evaluate primary and secondary repayment sources and identify the assumptions on which repayment depends.
  • Analyze borrower and guarantor financial condition, historical performance, projections, liquidity, leverage, collateral, and industry considerations.
  • Prepare clear, decision-useful credit presentations identifying strengths, weaknesses, material risks, mitigants, and unresolved questions.
  • Evaluate loan structure, amortization, tenor, covenants, collateral, guarantor support, and other terms relative to identified risks.
  • Support accurate and well-documented risk-rating recommendations.
• Analyze C&I Relationships
  • Analyze business financial statements, tax returns, interim results, projections, and recurring cash flow.
  • Evaluate working-capital cycles, accounts receivable, inventory, customer and vendor concentrations, borrowing-base considerations, and liquidity needs.
  • Assess leverage, fixed-charge coverage, global cash flow, management performance, owner distributions, affiliate activity, and guarantor support.
  • Recommend structural and covenant protections appropriate to the borrower’s operating risks.
• Analyze Commercial Real Estate
  • Underwrite investment CRE, owner-occupied CRE, and construction or development transactions.
  • Evaluate property-level cash flow, debt-service coverage, occupancy, lease terms, tenant concentration, rollover risk, and sponsor support.
  • Review appraisals, rent rolls, operating statements, construction budgets, sources and uses, equity contributions, and other third-party information.
  • Assess loan-to-value, debt yield, breakeven occupancy, and sensitivity to changing rents, vacancy, expenses, capitalization rates, and interest rates.
  • Evaluate sponsor liquidity, contingent liabilities, global cash flow, and the ability to support a project when needed.
• Support Community-Development Finance
  • Analyze affordable-housing, LIHTC, NMTC, and other mission-oriented transactions when assigned.
  • Develop an understanding of layered capital structures involving tax-credit equity, subordinate debt, grants, and public or nonprofit funding.
  • Work with lenders, legal counsel, and internal subject-matter experts to understand specialized structures and clearly document material risks.
• Monitor Credit Quality
  • Perform annual reviews, covenant testing, borrowing-base analysis, and other ongoing portfolio monitoring.
  • Identify and promptly communicate material changes in borrower performance, collateral, guarantor strength, industry conditions, or repayment capacity.
  • Support watch-list reviews, criticized-credit monitoring, and action-plan development when requested.
  • Work collaboratively with lenders and Commercial Lending Coordinators to obtain information and complete reviews within established deadlines.
• Strengthen the Credit Team
  • Serve as a technical resource and informal mentor to Credit Analysts.
  • Provide peer input on complex analytical issues when requested by the Credit Manager.
  • Help identify recurring underwriting issues, training needs, and opportunities to improve templates, standards, and quality-control practices.
  • Contribute to a culture where thoughtful questions, respectful challenge, accountability, and continuous learning are expected.

Requirements

• Approximately 5 or more years of progressively responsible commercial credit analysis, underwriting, or related commercial banking experience. Equivalent depth of experience will be considered.
• Demonstrated underwriting experience with both C&I and Commercial Real Estate transactions.
• Strong knowledge of commercial financial statements, tax returns, cash flow analysis, debt service capacity, leverage, liquidity, and guarantor analysis.
• Experience evaluating CRE cash flow, rent rolls, leases, appraisals, loan-to-value, and sponsor support.
• Ability to independently underwrite more complex transactions and identify material credit issues with limited direction.
• Strong written credit-presentation and verbal communication skills.
• Sound judgment, intellectual curiosity, organization, and attention to detail.
• Ability to manage multiple priorities and deadlines while maintaining analytical quality.

Preferred Qualifications

• Experience mentoring or providing technical guidance to less-experienced analysts.
• Experience in one or more of the following areas is helpful but not required:
  • Affordable-housing or LIHTC financing
  • New Markets Tax Credit transactions
  • Community-development finance or CDFI lending
  • Layered public-private capital structures
  • Construction lending and other complex CRE transactions

Education

A bachelor’s degree in finance, accounting, business, economics, or a related field is preferred. Equivalent relevant commercial-credit and underwriting experience may be considered. Formal credit training or advanced banking education is valued.

About the Approach

At CBKC, strong credit analysis begins with understanding how the Bank will be repaid. Our analysts develop a point of view based on the best available information, identify the evidence supporting it, recognize uncertainty, and remain willing to adjust when new information changes the analysis. We expect our Senior Credit Analyst to:

• Understand the business and transaction before relying on ratios.
• Focus on the risks and information most material to the decision.
• Ask what may be missing and what could change the conclusion.
• Challenge assumptions respectfully.
• Communicate material concerns early.
• Make thoughtful recommendations supported by evidence and judgment.

Why Join Us

CBKC is a community bank and certified Community Development Financial Institution with a long-standing commitment to creating economic opportunity in the communities we serve. This position offers the opportunity to work on a diverse portfolio of traditional commercial and mission-oriented transactions while helping shape a thoughtful, consistent, and effective credit process. Our Heartbeat Principles guide how we work:

• It’s About People: We champion a positive, high-energy environment and treat everyone with courtesy and respect.
• Pave the Way: We make it easy to do business with CBKC. Every detail communicates.
• Look for More: We take ownership, act with urgency, and remain accurate and responsive.
• Celebrate the Community: We showcase and support people and businesses working hard in the communities we serve.