Business Banking Senior Credit Analyst

Sunflower Bank Mortgage Lending; Dallas (TX); On-site; USD 85,000 - 120,000; Full time

Benefits offered by this job

401(k) Plan with 6% Match

Health/Dental/Vision Insurance

Company-paid Life Insurance

Tuition Reimbursement

Fitness Reimbursement

Paid Time Off

Volunteer Leave

Paid Holidays

Plus many more associate perks &IN

Job summary

Sunflower Bank, N.A. is seeking a Business Banking Senior Credit Analyst to lead centralized underwriting and support the Business Banking team with portfolio management and complex credit analysis.

The role entails producing credit analyses for extensions, renewals and reviews, guiding analysts, monitoring covenants, and ensuring loan policy compliance. Travel may be required.

Qualifications

• Bachelor’s Degree in Accounting, Finance or other applicable undergraduate or graduate degree; formal credit training program/certification acceptable.
• Minimum of three years in commercial credit analysis.
• Analyze complex credit data and financial statements to assess risk when extending credit.
• Think critically and communicate results clearly, in writing and verbally.
• Professional business communication with correct grammar and structure.
• Prioritize and complete tasks on time.
• Stay informed on industry trends, market conditions and regulatory requirements; develop professionally.
• Strong customer service skills.
• Excellent organization, accuracy, and attention to detail.
• Ability to handle confidential information and use current technology, including Salesforce.com and nCino.
• Willingness to travel as needed.

Responsibilities

• Produce complex credit analyses for new extensions, renewals, annual reviews and modifications.
• Lead underwriting goals and train other analysts.
• Monitor client operating/financial performance and covenant compliance.
• Understand loan policy/programs for credit extensions.
• Support loan request packages with complete financials.
• Summarize key loan conditions and collateral structures.
• Utilize banking systems and formats for requested credit recommendations; may require overtime.

Skills

Credit analysis

Financial statement analysis

Communication skills

Attention to detail

Time management

Confidentiality

Education

Bachelor’s Degree in Accounting/Finance

Credit training program/certification

Tools

Salesforce.com

nCino Bank Operating System

Microsoft Office

Microsoft Excel

Job description

At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more about Sunflower Bank at sunflowerbank.com.

Job Type: Full-time

Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position of a full-time Business Banking Senior Credit Analyst.

Senior Credit Analyst position will be in a leading role in supporting the Business Banking team with centralized underwriting needs, assist with line of business portfolio management and other complex credit functions.

Responsibilities

• Producing complex credit analysis assignments for the line of business including new extensions of credit, renewals of credit, annual reviews, modifications and other assignments. In addition taking a leading role in the underwriting goals to provide guidance and training to other analysts on the team.
• Understanding the bank’s metrics and conditions for tracking its client’s operating/financial performance after loan origination including covenant monitoring and borrowing base compliance.
• Firm understanding of bank’s loan policy/program for extending credit to its clients.
• Provide front end support of loan request packages to ensure all pertinent financial information is in the credit file.
• Strong understanding of loan documentation and capable of producing summaries of important loan conditions and collateral structures.
• Become efficient in the use of all system and procedures used by the business banking in its daily functioning including spreading software, credit approval software and formats for all formal credit recommendations of various types.
• Responsibilities may require an adjusted work schedule, overtime, and evening/weekend hours in order to meet deadlines.

Education / Experience Preferred

• Bachelor’s Degree in Accounting, Finance or other applicable undergraduate or graduate degree, preferred. In lieu of a degree, applicant must have completed a formal credit training program or certification.
• Minimum of three (3) years in commercial credit analysis function.
• Analyzing complex credit data and financial statements to determine the degree of risk involved in extending credit
• Must possess proven ability to think critically and communicate results concisely and clearly, both verbally and in writing.
• Must possess solid business communication skills including ability to write in a professional business manner utilizing correct grammar and sentence structure.
• Must possess ability to prioritize and complete tasks or projects on time.
• Must have the ability to remain educated and informed on industry trends, market conditions and regulatory requirements and actively work to continuously develop professionally.
• Must possess strong customer service skills.
• Must possess good organizational skills, a high level of accuracy and strong attention to detail.
• Ability to handle sensitive information with complete confidentiality and professionalism.
• Must possess knowledge of, and the ability to use current technology proficiently, including a personal computer, keyboard and mouse, Microsoft Office (Outlook, Word and Excel) and other technology based tools.
• Must possess aptitude for learning new systems and applications quickly, specifically Salesforce.com and nCino Bank Operating System.
• Travel may be required, as needed.

Pay is dependent on knowledge, skills, abilities, experience, and location.

The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus.

Sunflower Bank Benefits

People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team.

Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are:

• Rooted in Strength
• Propelled by Growth
• Individuals in a Great Whole
• Creating Possibility
• Community Focused

Associates Enjoy Outstanding Benefits, Including

• 401(k) Plan with 6% Match
• Health/Dental/Vision Insurance
• Company-paid Life Insurance
• Tuition Reimbursement
• Fitness Reimbursement
• Paid Time Off
• Volunteer Leave
• Paid Holidays
• Plus many more associate perks & incentives!

EOE/AA: Minorities/Females/Disabled/Vets

Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.

This vacancy announcement may be used to fill similar positions within 90 days.

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