Commercial Credit Analyst II

This job was posted by https://www.kansasworks.com : For more

information, please see: https://www.kansasworks.com/jobs/13436020


• Helping customers with their financial needs and leading the way in
  
  

innovation and responsiveness is the core of CoreFirst Bank & Trusts

(CoreFirst) mission. This philosophy, the CoreFirst Way, has guided the

bank well for nearly sixty (60) years and sets us apart from

competitors.*

Position Description

**Commercial Credit Analyst II**

Reports To

Credit Administration Officer

Department

Commercial Lending

Supervises

NA

Classificatio**n:**

Full time, Exempt

Hours

8:00 am to 5:00 pm Monday through Friday

**Location:**

Headquarters **OR** Kansas City

3035 SW Topeka Blvd. OR 16201 W. 95th Street

Topeka, KS 66611 Lenexa, KS 66219

Role

Responsible for conducting high-level analyses of commercial/business

loans

Apply

www.corefirstbank.com/careers

Essential Functions & Responsibilities

Reviews credit data to evaluate commercial/business loan requests to

approve or deny applications and review existing credit relationships

for ongoing credit worthiness. Analyzes sources of financial information

to determine potential risks of a loan. Prepares written credit

presentations for submission to Officers and committees.

Analyze and interpret financial and other credit related information to

assess the financial condition and risk of financing requests, to

include commercial, construction, real estate, and consumer, within the

framework of the Banks credit standards. Applies accounting acumen and

financial expertise to spread all types of financial information using

financial software and interpret the resulting financial metrics used in

the credit decision process.

Able to use independent judgment in the identification of key strengths

and weaknesses of a wide variety of credit types

Understand the different types of financing products available and how

they are used to need a borrowers needs

Assist in the preparation of credit presentations through formal written

financial analysis, industry peer analysis, collateral analysis,

gathering relevant market data, personal credit report analysis, and any

other analysis deemed appropriate for the request

Follows Bank policies and procedures

Assists in training more junior Credit Analysts in the interpretation of

financial statements, the technical aspects of the analysis of financial

statements, global cash flow analysis, etc.

Provide quality service to internal customers through undertaking risk

assessment analysis of various types of lending proposals

Possesses a working knowledge of Sageworks software which is used by the

bank to perform analysis and prepare credit submissions

• Please note this description is not designed to cover or contain a
  
  

comprehensive listing of activities, duties, or responsibilities that

are required of the employee for this job. Duties, responsibilities, and

activities may change at any time with or without notice.*

Education

Bachelors degree in Accounting, Finance, Business Administration, or

Economics.

Experience

Minimum of 3 years of relevant job experience

Experience and training in financial statement and tax return analysis

Basic knowledge of commercial, construction, real estate, and consumer

lending

Skills & Abilities

Thorough understanding of financial statements, including balance

sheets, income statements, and statements of cash flow as well as the

ability to analyze and interpret the content

Basic knowledge of state and federal loan regulations and Bank lending

policies

Excellent time management skills with the ability to manage multiple and

changing deadlines with limited supervision and significant analytical

thinking

Dedicated, goal oriented, and an energetic self-starter