Senior Credit Analyst

About Commerce Bank

Building a career here is more than just steps on a ladder. It’s about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. Our culture is about our people, the ones in our communities and the ones that work with us. Here, you’ll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You’ll have the space and resources to grow into the best version of yourself. Because our number one investment is you.

About the Role

The main purpose of this job is to be responsible for analyzing commercial credits by conducting and reviewing comprehensive financial analysis on companies of diverse industries and sizes.

Responsibilities

• Prepare Credit Approval Summary packets (highly complex) manually and through Moody’s CreditLens
• Review Credit Approval Summary packets (minimal to moderate complexity) completed by other Analysts and Trainees
• Review financial statement spreads completed by other Analysts and Trainees with completion of highly complex spreads
• Perform complex financial analysis on companies of diverse industries and sizes for commercial loan applying prior knowledge of loan structuring and cash flow
• Research and understand complex legal loan documentation
• Provide error resolution and feedback based on work reviewed
• Serve as SME for financial statement spread and CAS packet compilation process, sharing knowledge with others in the department by way of training/onboarding or ongoing quality control
• Create pricing worksheets for loan and relationship profitability
• Serve as the Loan committee secretary
• Perform other duties as assigned

Requirements

• Bachelor’s degree in a Business related field, with a preference for majors in Finance or Accounting, or equivalent combination of education and experience required
• 3+ years prior credit or financial analyst experience in commercial lending or credit administration department required

Skills & Abilities

• Intermediate to expert knowledge of financial concepts and financial statements utilizing financial and accounting principles
• Intermediate to expert understanding of key financial ratios such as cash flow, leverage, and debt service coverage
• Intermediate understanding of loan structure including cash flow thresholds, collateral pools, covenants, and other risk mitigating techniques
• Intermediate level knowledge of Commerce (or other conservative peer bank) risk appetite with application during underwriting process
• Intermediate level of Moody’s CreditLens and associated processes
• Motivated and organized self-starter with strong attention to detail and the ability to manage multiple competing priorities with little to no oversight
• Ability to drive results while applying above knowledge
• Inquisitive, agile, and strong team player with excellent written, verbal, and interpersonal communication skills
• Ability to remain adaptable and resilient to most situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
• Intermediate level proficiency with Microsoft Word, Excel, and Outlook

Pay

Hourly compensation range: $30.55 - $35.80 (based on relevant experience, skills, and competencies).

Benefits

• Employer-sponsored health, dental, and vision insurance
• 401(k) retirement plan
• Life insurance
• Paid vacation and paid personal time
• Career development and education assistance
• Voluntary supplemental benefits

Schedule

Full time

Location: 1000 Walnut St, Kansas City, Missouri 64106