Credit Analyst I

INTRUST Bank; Wichita (KS); Hybrid; USD 45,000 - 65,000; Full time

Job summary

INTRUST Bank in Wichita, KS seeks an analytically minded associate to support the Commercial & Community Bank lenders. You will help analyze financial statements, contribute to loan memos, and maintain strict confidentiality as part of a community-focused team.

The role requires a Bachelor’s degree in business and 0–3 years of related experience, with strong communication and critical thinking skills to develop trusted client relationships.

Qualifications

• Bachelor's degree in business, with a preferred finance or accounting emphasis.
• 0–3 years of related experience is required.
• Strong written and verbal communication skills.
• Ability to apply accounting principles to customer financial statements.
• Proven ability to read and understand information and communicate clearly.

Responsibilities

• Spread and analyze financial statements for borrowers.
• Risk rating customer borrowing relationships.
• Prepare basic loan memos and applications.
• Check loan agreements for compliance and review collateral.
• Assess credit quality of loan applicants.

Skills

Accounting principles

Financial statement analysis

Communication skills

Customer service

Critical thinking

Education

Bachelor's degree in business

Tools

Microsoft Office

Job description

Main Bank Building
Wichita, KS 67202, USA

At INTRUST Bank, People Come First.

Guided by strong character qualities- such as respect, compassion, humility, positivity, and initiative-we work to support one another, serve our customers, and strengthen our communities. Here, your career matters. You'll find an environment where you're encouraged to grow, empowered to lead at any level, and supported as you build a meaningful career with a trusted organization.

Job Summary

This position provides analytical services for the Commercial & Community Bank Lenders within INTRUST Bank. Promotes an environment of teamwork within the department and across the bank. Represents INTRUST Bank in all they do in the community and is focused on the development of new business relationships. Must maintain strict standards of confidentiality and perform duties in a manner supporting INTRUST's Character Qualities.

Essential Functions

• All expectations described in the job description's essential functions are necessary to be successful in this role, performed with or without a reasonable accommodation.
• Typical duties include spreading and analyzing financial statements, risk rating customer borrowing relationships, and compiling basic management information reports
• Perform various other basic duties assigned by Senior and Executive Management.
• Compile and analyze information for the preparation of basic loan memos and applications.
• Check for compliance on loan agreements and perform basic collateral reviews.
• Assess credit quality of loan applicants.

Education and Experience

Bachelor's degree in business, with a preferred major in finance or accounting and 0-3 years of related experience is necessary.

Required Skills and Knowledge

Apply accounting principles in the interpretation of customer financial statements. Knowledge of business and economics. Comfortable utilizing Microsoft Office and related computer skills. Effective business writing and professional communication skills. Demonstrated effective Customer Service skills via active listening and speaking skills. Possess critical thinking skills by utilizing logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems. Proven ability to read and understand information and ideas presented in writing with the ability to communicate information and ideas in speaking so others will understand. Aptitude to combine pieces of information to form general rules or conclusions which includes finding a relationship among seemingly unrelated events.

Required Licenses and/or Certifications

None.

Physical Demands

Extended period(s) of time may be spent viewing a personal computer, sitting, standing, and walking. Occasional lifting up to 25 lbs. The physical demands necessary for this role should be performed with or without a reasonable accommodation.

Working Conditions

Normal office conditions.

This job description summary is not intended to be an employment contract, nor is it intended to state or imply these are the only activities to be performed by the employee occupying this position. Employees will be required to follow any other duties as assigned or requested by their supervisor.

INTRUST Financial Corporation and its subsidiaries, including INTRUST Bank, are Equal Opportunity Employers whose policy is not to discriminate unlawfully against any qualified employee or applicant for employment on the basis of protected military or veteran status, disability, race, color, religion, sex, age, national origin, pregnancy, genetic information, sexual orientation, gender identity, or any other classification protected by applicable local, state or federal law; except where an individual’s protected category constitutes a bona fide occupational qualification.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.