Commercial Credit Analyst II

Core Bank; Leawood (KS); On-site; USD 60,000 - 80,000; Full time

Job summary

Core Bank, located in Leawood, Kansas, is seeking a skilled Commercial Credit Analyst II to join our team. This role involves advanced credit analysis and underwriting support for our commercial lending portfolio. The ideal candidate will have a Bachelor's degree in a relevant field and 2+ years of commercial credit analysis experience.

Your responsibilities will include analyzing financial statements, preparing credit documents, and working closely with relationship managers to support credit solutions. Join us to contribute to a high-performing and tech-forward community bank.

Qualifications

• 2+ years of experience in commercial credit analysis, commercial lending, or related banking role.
• Strong working knowledge of banking regulations and lending policy.
• Detail oriented with a high degree of accuracy.

Responsibilities

• Analyze financial statements and tax returns to determine borrower creditworthiness.
• Prepare detailed credit memorandum for new loan requests and annual reviews.
• Conduct ratio and trend analysis to identify strengths and weaknesses.
• Partner with relationship managers to discuss deal structure.

Skills

Credit analysis

Financial statement analysis

Excellent communication

Customer service skills

Education

Bachelor’s degree in Finance, Accounting, Economics, Business, or related field

Tools

Microsoft Office

Loan operations system

Core banking system

FIS

Abrigo / Sageworks

Job description

Company Overview

Core Bank is a high-performing, tech-forward community bank serving Omaha and Kansas City. Guided by our vision to be high-performing, solutions-based, and tech-forward, we combine trusted relationships with modern tools to deliver smarter, faster, and more personalized banking. Our culture—what we call our Recipe for Awesome—makes Core Bank more than a place to work or bank; it’s a place where people grow, solutions thrive, and together we build better.

Position Summary

The Commercial Credit Analyst II provides advanced credit analysis and underwriting support for the bank’s commercial lending portfolio, including commercial & industrial and commercial real estate. This role evaluates the financial condition of existing and prospective borrowers, assesses credit risk, prepares credit presentations, and supports relationship managers in structuring sound credit solutions. The Commercial Credit Analyst II is expected to handle more complex credits, exercise sound judgement, and contribute to portfolio quality. The role requires strong attention to detail, excellent communication skills, and the ability to work efficiently in a fast-paced environment.

Core Responsibilities

• Analyze financial statements, tax returns, cash flow projections, and collateral to determine borrower creditworthiness.
• Prepare detailed credit memorandum for new loan requests, renewals, and annual reviews.
• Conduct ratio analysis, trend analysis, and industry benchmarking to identify strengths, weaknesses, and risk factors.
• Evaluate global cash flow, guarantor strength, and repayment capacity for complex borrowing structures.
• Reviews adequacy and appropriateness of collateral.
• Recommend appropriate loan structures, terms, and risk ratings based on analysis.
• Review entity documentation (operating agreements, bylaws, resolutions, etc.).
• Partner with relationship managers to gather borrower information, discuss deal structure, and support client presentations.
• Communicate analysis, findings, and recommendations clearly to credit officers, loan committees, and senior leadership.
• Work cross-functionally with lending, loan operations, and compliance to ensure smooth workflow.
• Ensure all credit files meet regulatory standards, internal credit policy, and audit requirements.
• Stay current on industry trends, economic conditions, and regulatory changes impacting commercial lending.
• Assist in ongoing risk rating reviews and ensure documentation aligns with regulatory and internal policy requirements.
• Assist Commercial Lenders with the preparation of the quarterly Problem Loan Reports.
• Assist in special projects, portfolio stress testing, or process improvement initiatives as needed.
• Utilize the bank’s core banking system to research loan and deposit information.
• Maintain confidentiality of customer information and adhere to all bank policies and procedures.
• Perform other duties as assigned.

Qualifications

Education and Experience

• Bachelor’s degree in Finance, Accounting, Economics, Business, or related field.
• 2+ years of experience in commercial credit analysis, commercial lending, or related banking role.
• Experience with FIS preferred but not required
• Experience with Abrigo / Sageworks preferred but not required

• Alignment with Core Bank’s Purpose, Vision, and Values
• Demonstrated proficiency with software applications including Microsoft Office, loan operations system, and core banking system
• Strong working knowledge of banking regulations, lending policy, and documentation requirements
• Detail oriented with a high degree of accuracy
• Excellent communication and customer service abilities
• Ability to work independently and collaboratively within a team
• Strong organizational skills with the ability to manage multiple priorities

Core Bank is an equal opportunity employer and prohibits discrimination and harassment of any type for all employees and qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other characteristic protected by federal, state, or local laws.