Senior Credit Analyst

Senior Credit Analyst

Job Function:  Within a dynamic credit environment, work independently with a specific lender or group of lenders at their branch location. While continuing to report to the SVP, Senior Credit Officer or Credit Department Manager, begin directly assisting lenders with new credit requests, renewals, modifications, annual reviews, and new business development.  This position is progressing towards a Commercial Lender position, so as further competency is displayed in the areas of credit assessment, credit underwriting, cash flow, tax analysis, client risk recommendations, reviewing client accounts, and regulatory and bank rules, regulations and standards, daily responsibilities will transition from the spreading of financial statements and other credit administration duties towards more credit relationship management responsibilities and new business development.  Alternatively, as competencies are displayed, this position could transition to Credit Manager or Officer with supervisory and approval responsibilities. 

Essential Duties and Responsibilities: 

• Prepare credit memos and loan committee presentations in time sensitive situations.  Present analysis findings and recommendations orally and/or in writing to lenders and managers, especially findings that involve a borrower’s ability to repay.
• Appropriately spread the largest or most complex financial statements using SageWorks or similar type spreadsheet, as needed. 
• Perform independent, comprehensive, and accurate credit analysis on new and existing borrowers to the bank with autonomy and minimal manager oversite. This includes the development and preparation of spreadsheets and models to support the analysis on the larger, more complex borrowing relationships. 
• Evaluate and discuss the degree of risk involved in extending credit by performing cash flow analysis of businesses and global cash flow analysis of larger credit relationships, making appropriate recommendations based on the results of this analysis.
• Within the bank’s existing loan portfolio, independently identify risk and trends in borrowers’ performance, portfolio segments, industries, and markets based on the unique and dynamic characteristics of each. 
• Display of common sense and critical thinking to help determine credit worthiness of credit applicants is required. 
• Further expand a professional network by initiating relationships with other professionals (CPAs, attorneys, appraisers, etc.) to begin referral network for new business beyond participating in groups such as RMA and its Young Professionals group.  
• Display a well-rounded knowledge of local market dynamics, a variety of borrower types and a variety of industries.

• Serve as an effective knowledge resource for those in the Credit Analyst 1 and 2 positions and others that require assistance in learning foundational credit skills and information.
• Demonstrate proficiency in bank information systems.

• Identify areas of personal performance in which continuing development or additional training is desired or required to further enhance professional development. 
• Attend relevant Country Club Bank internal and external continuing education opportunities, as required. 
• Review legal documents and supporting information for proper perfection.  Record missing components or elements that were not executed as approved, especially those related to perfecting the bank’s security interest.
• Consistently communicate in a professional manner that is constructive and influential.  Build trust through a communication style that reflects a willingness to listen to and consider alternatives, while maintaining an objective and independent perspective.
• Follow established policies and procedures.  Complete other tasks as assigned by manager.   Attend work regularly and consistently to ensure appropriate staffing needs are met within the department and the organization and needs are met in a timely fashion.  

Job Qualifications/ Required Skills and Abilities:   

• Minimum of 7-10 years prior banking or other relevant experience in commercial lending, loan review, loan operations or regulatory environment with the desire to expand their level of knowledge in a variety of credit related topics. 
• Bachelor’s degree preferred, with emphasis in finance, economics, accounting or a related field. 
• 9 or more hours of completed college level accounting coursework strongly preferred; however, other advanced degrees might be considered suitable alternatives in combination with experience.  
• Good oral and written communication skills, including the demonstrated ability to effectively communicate in the English language (both written and verbal).
• An advanced knowledge of complex credit analysis and the overall field of risk assessment as applied to a diversified loan portfolio. 
• The demonstrated ability to appropriately spread financial statements using SageWorks or similar type spreadsheet. 
• Proficiency in Microsoft applications (primarily Word, Excel, PowerPoint, and Access), and general computer, web, and office equipment utilization. 
• The ability to build rapport with a wide-ranging audience (e.g. all levels of bank personnel, outside consultants, regulators, etc.).

• Ability to communicate effectively and professionally.

• Capacity and willingness to develop and utilize an appreciation for details and more abstract, big-picture concepts. 
• Strong work ethic and effective time management demonstrated by meeting productivity goals and work-product quality goals through intense and focused effort. 
• Completion of or working towards the RMA Credit Risk Certification (CRC).

Physical Demands/ Work Environment:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

General office environment with extensive use of telephone, email, and copier/printer. Ability to engage in some daytime travel within the Kansas City SMSA in a timely and efficient manner. Sits for long periods of time. Needs to be able to lift and carry up to 50lbs. Typically interacts with customers that are internal to Country Club Bank and routinely deals with multiple levels of staff and management.