Senior Credit Analyst - Expert in Complex Lending & Risk

Kendall Bank; Overland Park (KS); On-site; USD 85,000 - 120,000; Full time

Benefits offered by this job

Medical, Dental, Vision insurance

Health Savings Account

Flexible Spending Account

Life Insurance

Disability Protection

401(k) Retirement Plan

Paid Time Off

Job summary

Kendall Bank is seeking a Senior Credit Analyst to evaluate complex commercial lending opportunities and support sound credit decisions across the organization. This role emphasizes advanced financial statement analysis, cash flow assessment, and risk evaluation within a community banking environment.

The position offers opportunities to mentor junior analysts, collaborate with lenders and departments, and contribute to regulatory-compliant credit processes while supporting client relationships

Qualifications

• Strong commercial credit analysis skills
• Advanced cash flow analysis and debt capacity assessment
• Excellent organizational, problem-solving and critical-thinking abilities
• Strong written and verbal communication skills
• Ability to work independently while collaborating with lenders and other departments

Responsibilities

• Analyze complex commercial credit requests and prepare detailed credit presentations and recommendations.
• Evaluate financial statements, cash flow, collateral, guarantor strength, and debt repayment capacity.
• Identify key credit risks and mitigating factors while assessing overall creditworthiness.
• Support loan officers and senior management in structuring credit facilities and making informed lending decisions.
• Monitor existing credit relationships and maintain current financial information and documentation.
• Ensure loan files are complete, accurate, and compliant with bank policies and regulatory requirements.
• Assist with annual reviews, covenant monitoring, and risk rating assessments.
• Serve as a resource and mentor to junior credit analysts as needed.
• Maintain knowledge of industry trends, market conditions, and best practices in commercial credit analysis.
• Perform all responsibilities in accordance with applicable federal and state banking regulations.

Job description

Kendall Bank is seeking a Senior Credit Analyst to evaluate complex commercial lending opportunities and support sound credit decisions across the organization. This role emphasizes advanced financial statement analysis, cash flow assessment, and risk evaluation within a community banking environment.

The position offers opportunities to mentor junior analysts, collaborate with lenders and departments, and contribute to regulatory-compliant credit processes while supporting client relationships