Credit Analyst III

Academy Bank; Kansas City (MO); On-site; USD 60,000 - 80,000; Full time

Job summary

Academy Bank in Kansas City seeks a qualified individual skilled in financial analysis and credit analysis to assess borrowers’ financial statements and perform detailed commercial credit evaluations. The role involves creating comprehensive financial statements and preparing analyses for unique commercial properties.

The candidate will collaborate closely with lending officers and mentor junior analysts while upholding strict confidentiality and following regulatory requirements.

Qualifications

• Ability to perform effective financial analysis of borrowers’ financial statements.
• Experience in credit analysis of complex commercial credits.
• Strong understanding of accounting treatments in financial statements.

Responsibilities

• Create financial statement spreads and summary charts.
• Perform financial analysis of commercial loans.
• Prepare financial analysis for unique commercial property types.
• Communicate effectively with lending officers and co-workers.
• Mentor junior credit analysts.

Skills

Financial analysis

Credit analysis

Accounting knowledge

Communication skills

Mentorship

Job description

Summary

Ability to apply skills toward effective financial analysis of borrowers’ financial statements, cash flow analysis, repayment sources and viability, and overall analysis of commercial credit. The individual will be able to perform credit analysis of complex credits. Well-written credit analysis with minimal revisions made by supervisor or department head.

Responsibilities

• Create financial statement spreads and summary charts.
• Perform financial analysis of commercial loans (both real estate and commercial and industrial). Commercial credits will be more complex with potential for multiple collateral types, multiple guarantors, and various industries.
• Prepare financial analysis on unique commercial property types such as special purpose or commercial businesses with limited market share.
• Demonstrate strong understanding of accounting treatments typically found in financial statements of larger commercial credits.
• Identify, outline, and mitigate material policy exceptions during the underwriting process.
• Prepare well written financial analysis of loans for presentation to loan officers and/or loan committee. Attend committee during loan presentation.
• Complete financial analysis reports in a quality manner and within service timeline expectations.
• Adapt to changing workflow assignments and manage multiple loan requests at any given time.
• Effectively communicate with lending officers, supervisors, and co-workers to provide effective follow up on credit reviews and workflow.
• Mentor Credit Analyst I and Credit Analyst II colleagues.
• Protect all client and bank information confidentially and follow all company policies.
• Complete monthly training in a timely manner to ensure knowledge of bank regulatory requirements, policies, and procedures.
• Other specified duties as assigned.