Commercial Credit Analyst II

Commercial Credit Analyst II

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

Classification : 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

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

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