Credit Analyst - Cedar Falls, IA

Equity Bank; Cedar Falls (IA); On-site; USD 52,000 - 78,000; Full time

Benefits offered by this job

Group Life & Long-Term Disability

Flexible Spending & Health Savings

Group Cancer Insurance

401(K) Retirement Plan w/ CompanyMatch

Generous Vacation & Sick Time

Employee Stock Purchase Plan

Pet Insurance

Job summary

Equity Bank is seeking a Credit Analyst in Cedar Falls, IA to evaluate borrower's finances and prepare detailed credit presentations for loan approvals. The role requires strong analytical skills, accuracy, and excellent communication to support decisions and customer relationships.

You will work on-site in the Credit Administration department, handling cash flow analyses and collateral assessments while following banking regulations and internal policies.

Qualifications

• Bachelor’s degree and high accuracy to identify risk factors in credit evaluations.
• Ability to think critically and make informed decisions from credit data.
• Effective written and verbal communication to convey credit findings to stakeholders.
• Proficiency in Excel and MS Office for financial spreads and reporting.

Responsibilities

• Produce high quality credit presentations and annual reviews for internal and external authorities.
• Use customer information to produce consistent financial spreads.
• Analyze spreads with emphasis on borrower financial activity.
• Identify material changes/trends in balance sheet and income statement.
• Complete deal-specific and global cash flow analyses.
• Identify and analyze the adequacy of loan collateral.
• Prepare reader-friendly credit documentation for approvals.
• Manage relationships with Loan Officers.
• Follow up with customers, CPAs and advisors as needed.
• Ensure compliance with loan policy, underwriting guidelines and credit procedures.

Skills

Credit analysis

Financial statement analysis

Excel

Communication

Multi-tasking

Education

Bachelor’s degree in finance, accounting, economics, business administration or related field

Tools

Microsoft Office Suite

Job description

Fast forward with Equity Bank. Scroll down to see opportunities to join our team.

We’re not your typical bank. Spend some time inside our walls and you’ll see that pretty quickly. We challenge the status quo. We take risks. We think entrepreneurially. We also have fun. Because at the end of the day, we want our employees to enjoy coming to work and be proud of the company they call their employer.

There’s no limit to your potential here. Your career growth is dictated by what you put into it. We offer opportunities to challenge you, expand your skills, and reward your contributions. Here, we offer competitive compensation and benefits, and a working environment that’s tough to beat.

We want passionate, customer-focused people, willing to learn and motivated to grow. Are you ready to join our team?

Join our team.

See our current open positions.

Position:Credit Analyst - Cedar Falls, IA

Location: Cedar Falls, IA

Job Id:4601

# of Openings:1

Position: Credit Analyst

Department: Credit Administration

Location: Cedar Falls/ Waterloo, IA (on-site)

Jump start your career at Equity Bank! We are currently hiring energetic, team oriented, and community focused individuals to join our team! With a team of best-in-class customer service experts, you'll help to build and expand on client relationships, deliver the banking products and services that meet the unique and individual needs of clients, and create and uphold an atmosphere of superior experience and service. At Equity Bank we’ll help you invest in your community through volunteer opportunities which align with our company initiatives and core values.

Responsibilities and Expectations

• Produce high quality credit presentation /annual reviews for use by various Approval Authorities (Internal and External):
• Use customer-provided information to produce consistent financial spreads.
• Analyze the produced financial spreads with analysis emphasis on all financial activities of the borrower.
• Identifies material changes and / or trends in the balance sheet and income statement.
• Completes deal specific and global cash flow analysis.
• Identifies and analyzes the adequacy of the collateral securing the loan(s).
• Creates a well-written credit presentation /annual review that is reader friendly and effectively exemplifies the “true” position that Equity Bank maintains with respect to the credit facility(ies) under discussion.
• Manage relationships with Loan Officers.
• Utilize written and oral communication skills to obtain all the needed information for any requests/annual reviews that are under discussion in a timely manner.
• In conjunction with Loan Officer contacts customers, CPAs and advisors when needed.
• Confirm all credit applications/annual reviews with officers in order to present the Approval Authorities with the best, most accurate product so that they can make an educated decision on the loan(s) under discussion.
• General banking / credit related knowledge – Credit Analyst I will become familiar with and understand:
• Loan Policy, underwriting guidelines and credit procedures.
• Commercial loan types and their uses in loan structuring.
• Commercial loan documentation including security documents (UCCs, Security Agreements, Real Estate Mortgages, Assignment of Leases and Rents).
• Real estate appraisals and evaluations, both internal and from 3 rd party vendors.
• Customer relationships.
• Utilize written and oral communication skills to relay and acquire information to and from customers, CPAs and advisors.
• Develop and maintain a positive professional image for Equity Bank.
• Create a friendly, customer service image to customers.
• Reports and responsibilities.
• Manage Other Related Projects as assigned, including:
  • Financial Covenant Monitoring / Approval.
  • Borrowing Base Certificate Monitoring / Approval.
  • Prepare Weekly, Monthly, Quarterly, and Annual Reports as assigned.
• Understand and follow the applicable laws and regulations for job responsibilities including but not limited to Equity Bank Business Ethic and Conduct policy, Bank Secrecy Act, Information security, and Suspicious Activity Reporting (“SAR”) requirements.
• Perform other duties as assigned or required.

Required Skills & Education

• Bachelor’s degree in finance, Accounting, Economics, Business Administration, or a related field.
• High level of accuracy and attention to detail to identify risk factors and ensure quality in credit evaluations.
• Ability to think critically and make informed decisions based on a thorough analysis of credit data.
• Effective written and verbal communication skills to clearly convey credit analysis findings and recommendations to stakeholders, including senior management.
• Proficiency in Microsoft Office Suite, particularly Excel.
• Capable of managing multiple projects simultaneously and meeting deadlines in a fast-paced environment.

Who we are

Equity Bank, a full-service, $5 billion community bank, is based in Wichita, Kansas, with 72 bank offices throughout Kansas, Missouri, Arkansas, and Oklahoma.

At Equity Bank, you can find exciting opportunities to challenge you, expand your skills, and reward your contributions. Our employees receive competitive compensation and benefits, while working in an atmosphere that encourages personal and professional growth. We’re searching for motivated individuals who are passionate about serving others, learning new technologies, and working as part of a team.

Equity Bank offers a full range of financial solutions, including online and mobile banking, commercial loans, consumer banking, and mortgage loans, treasury management service, the best solutions for your business, and absolutely zero ATM fees, anywhere.

What’s in it for you?

We believe your benefits are an important part of your overall compensation package. We work year-round to ensure that we provide our employees with the most up-to-date, competitive program. We thoroughly evaluate our benefit plans and strive to provide quality benefits that support the physical and financial well-being of our employees and their families.

Benefits Available:

• Group Life & Long-Term Disability Insurance
• Flexible Spending & Health Savings Accounts
• Group Cancer Insurance
• 401(K) Retirement Plan w/ Company Match
• Generous Vacation & Sick Time
• Employee Stock Purchase Plan (ESPP)
• Pet Insurance

Find your future at Equity Bank!

The above statements are intended to generally describe the nature and level of work to be performed by most people assigned to this job. It is not intended as an exhaustive list of all responsibilities, duties, and requirements.

Physical Requirements

This position requires standing, walking, bending, and squatting on a regular basis. May require the ability to stoop, kneel, crouch or reach with hands and arms. Requires the ability to carry, lift, move or push up to 25 pounds on an occasional basis. Must be able to talk and listen to others.

This position regularly works in an office setting. Most of the job duties require the employee to be working with computers and electronic media on a regular basis.

Equity Bank is an equal opportunity employer and will not make employment decisions based on an applicant’s race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Equity Bank is an Equal Opportunity Employer. We encourage qualified minority, female, veteran, and disabled candidates to apply and be considered for open positions.

Applicants have rights under Federal Employment Laws. Please click on the links* below for more information:

*These documents contain links for third-party websites. The privacy policy, level of security or accessibility standards my differ from Equity Bank’s site. Equity Bank does not guarantee content or functionality of third-party sites and is not responsible for viewpoints, advertisers or external services offered.

Named one of Wichita Business Journal’s “Best Places to Work” in 2013, 2014, 2019, 2021, 2022, 2024 & 2025– results determined by our employees!