Business Banking Senior Credit Analyst

Sunflower Bank; Phoenix (AZ); On-site; USD 90,000 - 130,000; 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

Job summary

Sunflower Bank, N.A. is seeking a Business Banking Senior Credit Analyst to join our team in a full-time role. The analyst will support centralized underwriting, portfolio management, and other complex credit functions.

The position requires three years of commercial credit analysis experience, strong financial statement analysis skills, and the ability to communicate results clearly. Travel may be required, and the pay depends on knowledge and location.

Qualifications

• Bachelor’s degree in Accounting, Finance or related field; or equivalent credit training.
• Minimum of three years in commercial credit analysis.
• Ability to analyze complex credit data and financial statements for risk.
• Strong written and verbal communication to present results clearly.
• Proficient with Microsoft Office and basic banking software.
• Willingness to learn Salesforce.com and ncino Bank OS; travel may be required.

Responsibilities

• Produce complex credit analysis assignments for new credit, renewals, and annual reviews.
• Lead underwriting goals and provide guidance to other analysts.
• Monitor client operating performance and covenant compliance.
• Understand loan policy and prepare complete credit packages.
• Summarize key loan conditions and collateral structures clearly.
• Utilize spreading and credit systems daily; adhere to deadlines.

Skills

Credit analysis

Financial statement analysis

Critical thinking

Written communication

Verbal communication

Microsoft Office

Education

Bachelor’s Degree in Accounting or Finance

Credit training program or certification

Tools

Salesforce.com

nCino Bank Operating System

Spreading software

Credit approval software

Job description

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.

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.

Description

The 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.

Working Conditions

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!

You’ve never worked anyplace like Sunflower Bank!

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.

Open until filled; early application encouraged. This vacancy announcement may be used to fill similar positions within 90 days.

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