Commercial Credit Analyst jobs in Hutchinson, KS
Commercial Credit Analyst collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Being a Commercial Credit Analyst calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Additionally, Commercial Credit Analyst presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. The Commercial Credit Analyst work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Commercial Credit Analyst typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)
Recently Added Commercial Credit Analyst jobs
Credit Analyst - Agricultural
- Equity Bank
-
Wichita, KS
FULL_TIME
-
Job Title: Credit Analyst - AgriculturalJob Type: Full Time
Location: US - KS - Wichita
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.
Agricultural Credit Analyst I / II1. Responsibilities and Expectations:- Produce 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
- Works on large, complex Agricultural loan relationships independently.
2.General banking / credit related knowledge – Credit Analyst Agricultural will become familiar with and understand:- Loan Policy, underwriting guidelines and credit procedures.
- Agricultural lending / underwriting– including: Custom operators, cash grain, cow / calf, feed yards, dairy, hog & poultry operations.
- Governmental Guarantee Programs - including: Farm Service Agency / US Small Business Administration / USDA.
- Crop Insurance
- Farmer Mac
- Agricultural loan types and their uses in loan structuring – crop input loans, cattle loans, operating loans, borrowing base loans. farm equipment loans, real estate loan and land loans.
- Loan documentation including security documents (UCCs, Agricultural Security Agreements, Real Estate Mortgages).
- Real estate appraisals and evaluations.
- Environmental Reports
3. 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 the 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.
4. 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.
5. 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.
6. 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.
7. Other Duties and Tasks as assigned.INDUSTRY SKILLS/QUALIFICATIONS/REQUIREMENTS:- Ag CA I & CA II - Bachelor’s Degree, or equivalent experience, required. Emphasis on Agricultural Business, Finance and Accounting.
- Ag CA II - Two to five years of experience, as a credit analyst, or equivalent experience.
- Advanced Training & Development – The Senior Credit Analyst – Agriculture will have participated in and obtained certification in credit related programs including RMA and Agricultural Banking School
- Excellent interpersonal skills and professional manner
- Computer skills, especially the ability to work in Windows based systems
Who we areEquity Bank, a full-service, $5 billion community bank, is based in Wichita, Kansas, with 70 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:- Health, Dental & Vision Insurance
- 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
- Retail Banking Benefits
Find your future at Equity Bank!Physical RequirementsThis 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.Work EnvironmentThis 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. - 1 Day Ago
Accounts Receivable Collections and Credit Analyst
- Croell, Inc.
-
Dodge, KS
FULL_TIME
- Company Overview: Croell, Inc. is a family-owned regional construction company with over 100 multi-state locations. We are a major producer of concrete and aggregates and produce concrete and asphalt ...
- 24 Days Ago
Credit Officer
- Equity Bank
-
Wichita, KS
FULL_TIME
- Position Opening: Credit Officer Department: Credit Administration Reports to: Regional Credit Officer Location: Wichita, KS Salary: FT Salary Responsibilities and Expectations 1. Commercial Credit Un...
- 18 Days Ago
Patient Access Specialist
- Syneos Health Commercial Solutions
-
Wichita, KS
FULL_TIME
- Description You are an expert facilitator: you open doors, foster communication, and bridge the gap. In this role, you will be responsible for the successful growth of patient access initiatives of ou...
- 3 Days Ago
Aviation Mechanic (Technician) - A&P
- PDS Tech Commercial
-
Wichita, KS
FULL_TIME
- Make an impact! Join the Aerospace Revolution! PDS Tech Commercial, Inc. is seeking candidates for an Experienced Airframe and Powerplant (A&P) Technician in Wichita.In this role, not only will you be...
- 7 Days Ago
Immunology Specialist
- Syneos Health Commercial Solutions
-
Wichita, KS
FULL_TIME
- Description You have what it takes: a competitive drive coupled with exceptional sales ability. In this role, you will be responsible for implementing the sales plan by delivering proficient sales pre...
- 20 Days Ago
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0 Commercial Credit Analyst jobs found in Hutchinson, KS area
Assistant/Associate Professor of Accounting (Fall 2024)
- Bethel College KS
-
North Newton, KS
- Bethel College (North Newton, Kansas) invites applications for a full-time faculty member to teach courses in Accounting...
- 4/18/2024 12:00:00 AM
Hutchinson, KS 67502 - Onsite Nurse Assessor - 1099 (RN) Contract $125 Per Assessment
- The Helper Bees
-
Hutchinson, KS
- Job Type Contract Description Join our growing network of nurse assessors! The Helper Bees partners with insurance carri...
- 4/18/2024 12:00:00 AM
Team Member #1248
- Jimmy John's
-
Hutchinson, KS
- Looking for a job that fits your life? Jimmy John's is hiring Team Members at 900 E 30th Ave ste b, Hutchinson, KS 67502...
- 4/18/2024 12:00:00 AM
LVN LPN
- Diversicare of Hutchinson
-
Hutchinson, KS
- Overview: At Diversicare, we value our team members and provide opportunities for growth and career advancement. Our Nur...
- 4/18/2024 12:00:00 AM
Dental Hygienist - choose your own schedule
- GoTu
-
Hutchinson, KS
- Pay Range: $40-$70/Hour By using the GoTu app, you can find local temporary and permanent opportunities and get peace of...
- 4/17/2024 12:00:00 AM
Registered Dental Hygienist
- GoTu
-
Hutchinson, KS
- Pay Range: $45-$70/Hour By using the GoTu app, you can find local temporary and permanent opportunities and get peace of...
- 4/15/2024 12:00:00 AM
Dental Hygienist
- GoTu
-
Hutchinson, KS
- Pay Range: $40-$70/Hour By using the GoTu app, you can find local temporary and permanent opportunities and get peace of...
- 4/15/2024 12:00:00 AM
Cost Accountant
- Associate Staffing
-
McPherson, KS
- The purpose of the Senior Financial Analyst will be to provide strong financial leadership to the operations function, w...
- 4/14/2024 12:00:00 AM
About Hutchinson, Kansas
Hutchinson is the largest city and county seat in Reno County, Kansas, United States, and located on the Arkansas River. It has been home to salt mines since 1887, thus its nickname of "Salt City", but locals call it "Hutch". As of the 2010 census, the city population was 42,080.
Each year, Hutchinson hosts the Kansas State Fair, and National Junior College Athletic Association (NJCAA) Basketball Tournament. It is the home of the Kansas Cosmosphere and Space Center aerospace museum and Strataca (formerly known as Kansas Underground Salt Museum).
Hutchinson is located at 38°3′39″N 97°55′47″W...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Commercial Credit Analyst jobs
$48,741 to $63,821
Hutchinson, Kansas area prices
were up 1.3% from a year ago
were up 1.3% from a year ago
What does a Commercial Credit Analyst do?
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