Commercial Credit Analyst - Loan Risk & Analysis

First Security Bank; Overbrook (KS); On-site; USD 55,000 - 75,000; Full time

Job summary

Prismhr Hire seeks a Bank Credit Analyst in Kansas to evaluate financial health and creditworthiness of loan applicants. You will analyze financial statements, credit reports, cash flow, and market conditions to assess lending risk and prepare recommendations for approval.

The role collaborates with loan officers and underwriters, ensuring compliance with bank policies and regulatory requirements while supporting periodic loan reviews and portfolio monitoring.

Qualifications

• Bachelor’s degree in finance, accounting, economics, business administration, or a related field.
• 2–5 years of experience in credit analysis, commercial banking, or financial analysis.
• Strong understanding of financial statement analysis and credit risk assessment.
• Knowledge of banking regulations and lending practices.
• Proficiency in Microsoft Excel and financial analysis software.
• Excellent analytical, organizational, and problem-solving skills.
• Strong written and verbal communication skills.
• Ability to manage multiple projects while meeting deadlines.

Responsibilities

• Analyze financial statements, tax returns, credit reports, and cash flow to assess a borrower’s ability to repay debt.
• Conduct detailed credit risk assessments for commercial and consumer loan applications.
• Prepare comprehensive credit analysis reports and loan recommendations for approval committees.
• Evaluate industry trends, economic conditions, and market risks that may impact borrowers.
• Monitor existing loan portfolios for changes in financial performance or credit quality.
• Ensure compliance with bank lending policies, regulatory guidelines, and underwriting standards.
• Collaborate with loan officers, relationship managers, and underwriters to structure appropriate financing solutions.
• Identify potential credit risks and recommend strategies to minimize losses.
• Maintain accurate loan documentation and financial records.
• Participate in periodic loan reviews and portfolio stress testing.

Skills

Financial Statement Analysis

Credit risk assessment

Loan underwriting support

Financial modeling

Attention to detail

Critical thinking

Risk management

Data analysis

Communication and presentation

Time management

Regulatory compliance

Customer Relationship Management

Education

Bachelor’s degree in Finance/Accounting/Economics/Business Administration

Tools

Microsoft Excel

Financial analysis software

Job description

Prismhr Hire seeks a Bank Credit Analyst in Kansas to evaluate financial health and creditworthiness of loan applicants. You will analyze financial statements, credit reports, cash flow, and market conditions to assess lending risk and prepare recommendations for approval.

The role collaborates with loan officers and underwriters, ensuring compliance with bank policies and regulatory requirements while supporting periodic loan reviews and portfolio monitoring.