Commercial Credit Analyst

Sunflower Financial Inc.; Houston (TX); On-site; USD 55,000 - 80,000; 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 Financial Inc. is looking for a Commercial Credit Analyst in Houston, TX. The role includes supporting Credit Underwriters with financial analyses and risk assessments, while developing skills in financial modeling and credit tools.

Candidates should have a Bachelor’s degree in Accounting or Finance and at least one year of relevant experience. The position offers excellent benefits like a 401(k) plan, health insurance, and paid time off.

Qualifications

• Bachelor's Degree in relevant field.
• 1+ years in commercial lending and credit analysis.
• Proficient in Microsoft Office Suite, especially Word and Excel.
• Strong verbal and written communication skills.

Responsibilities

• Assist with financial analysis and risk assessment.
• Support Credit Underwriters in preparation of credit memoranda.
• Monitor borrower financial performance and compliance.
• Conduct industry research and prepare client overviews.

Skills

Microsoft Office Suite

Credit analysis

Financial statement analysis

Communication skills

Salesforce.com

Attention to detail

Education

Bachelor’s Degree in Accounting, Finance or related field

Tools

nCino Bank Operating System

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.

Commercial Credit Analyst – Houston, TX

The Commercial Credit Analyst will support Commercial Credit Underwriters in every aspect of the latter’s day-to-day activities.

Responsibilities

• Assist with financial analysis and risk assessment by preparing financial statement spreads, analyzing trends, and supporting credit underwriting decisions.
• Support Credit Underwriters in the preparation of credit memoranda for amendments, waivers, annual reviews, and other requests.
• Develop proficiency in systems and tools used by the credit team, including spreading software, financial modeling tools, and credit approval platforms.
• Build a foundational understanding of the bank’s credit policies, underwriting standards, and risk metrics, and apply them in daily activities.
• Acquire a basic understanding of the bank’s metrics and conditions for extending credit by applying that understanding on a daily basis.
• Develop the ability to monitor borrower financial performance and track compliance with loan covenants and borrowing base requirements.
• Conduct industry research and prepare overviews highlighting trends and conditions impacting clients and prospects.
• Become familiar with loan documentation and capable of producing summaries of important loan conditions and collateral structures.
• Gain an understanding of the Bank’s ancillary products important to building the bank’s relationship with its commercial/corporate clients and assist and collaborate with internal partners to support cross-sell opportunities.

Education / Experience Preferred

• Bachelor’s Degree in Accounting, Finance or other applicable undergraduate or graduate degree.
• 1+ years in commercial lending and credit analysis.
• Must possess excellent Microsoft Office Suite skills, specifically Word/Excel.
• Must possess aptitude for learning new systems and applications quickly, specifically Salesforce.com and nCino Bank Operating System.
• Must possess excellent verbal and written communication skills.
• Must possess ability to prioritize and complete tasks or projects on time with a high level of accuracy and strong attention to detail.
• Must have the ability to remain educated and informed on industry trends, market conditions and regulatory requirements and actively work to continuously develop professionally.
• Ability to handle sensitive information with complete confidentiality and professionalism.
• Must possess ability to understand financial statements, including balance sheets, income statements, and cash flow statements.
• Travel will be required, as needed.

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.

Benefits

Our supportive culture empowers team members to grow and seize new opportunities. Benefits include:

• 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!

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.

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