Commercial Credit Analyst jobs in Salina, 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. - 7 Days 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 ...
- 30 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...
- 24 Days Ago
Design Engineer - Defense and Special Missions
- PDS Tech Commercial, Inc.
-
Wichita, KS
FULL_TIME
- PDS Tech Commercial, Inc. is seeking candidates for a Design Engineer - Defense and Special Missions in Wichita, KS. Job Title: Design Engineer - Defense and Special Missions Job Type: Full time; cont...
- Just Posted
Irrigation Service Technician
- Commercial Lawn Management
-
Wichita, KS
FULL_TIME
- Job Overview:We are seeking a skilled and experienced Irrigation Technician to join our team. As an Irrigation Technician, you will be responsible for installing, maintaining, and repairing irrigation...
- Just Posted
A&P Technician
- PDS Tech Commercial, Inc.
-
Wichita, KS
FULL_TIME
- PDS Tech Commercial, Inc. is seeking candidates for a A&P Technician in Wichita, KS.Job Title: A&P TechnicianJob Type: Full time Temp to HireLocation: Wichita, KS 67209Pay Rate: $37.00-$42.75 per hour...
- 3 Days Ago
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0 Commercial Credit Analyst jobs found in Salina, KS area
Registered Nurse - Med Surg - Full Time Position - Salina Regional Health Center - Salina Kansas - $90k/Yr.
- Winston Staffing
-
Salina, KS
- Job Details: Full Time RN - Med Surg Needed - Salina Regional Health Center - Salina, Kansas Night Shift - 3x12's $90,00...
- 4/24/2024 12:00:00 AM
CNA - Certified Nursing Aide
- Campbell Street Services
-
Salina, KS
- What You Can Expect: Our CNAs love Legacy at Salina for the meaningful work, stability, and excellent team environment! ...
- 4/24/2024 12:00:00 AM
REGISTERED NURSE
- Salina Regional Health Center
-
Salina, KS
- POSITION SUMMARY Position Summary: Provides professional nursing care for assigned patients utilizing the nursing proces...
- 4/24/2024 12:00:00 AM
Full & Part Time Retail Sales Associate
- Kohls
-
Salina, KS
- Responsibilities Creates a friendly and welcoming environment by greeting and offering assistance to customers You are t...
- 4/24/2024 12:00:00 AM
Overnight Support Team Member
- Whole Foods
-
Salina, KS
- Responsibilities Provides overnight support for assigned team to include receiving and preparing product and maintaining...
- 4/24/2024 12:00:00 AM
Assistant Moving Center Supervisor
- UHaul
-
Salina, KS
- Full description Are you a people person who loves to help others? Then consider becoming U-Haul's newest Assistant Gene...
- 4/24/2024 12:00:00 AM
CODING AUDITOR
- Salina Regional Health Center
-
Salina, KS
- POSITION SUMMARY Position Summary: Audit charts of professional or acute inpatient to insure proper coding is assigned r...
- 4/23/2024 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...
- 4/21/2024 12:00:00 AM
About Salina, Kansas
Salina is located at 38°50′25″N 97°36′41″W / 38.84028°N 97.61139°W / 38.84028; -97.61139 (38.8402805, -97.6114237) at an elevation of 1,224 feet (373 m). Located in north-central Kansas at the intersection of Interstate 70 and Interstate 135, it is 81 miles (130 km) north of Wichita, Kansas, 164 miles (264 km) west of Kansas City, Missouri, and 401 miles (645 km) east of Denver, Colorado.
Salina lies in the Smoky Hills region of the Great Plains approximately 6 miles (9.7 km) west-southwest of the confluence of the Saline and Smoky Hill Rivers. The Smoky Hill River runs north then northeast...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Commercial Credit Analyst jobs
$48,741 to $63,821
Salina, 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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The Commercial Credit Analyst role within Hewlett Packard Enterprise Financial Services (HPEFS) supports the rapidly growing and Channel segment.
January 02, 2020
This individual will evaluate new and existing applications and decision the account based on assigned credit authority and risk appetite guidelines.
January 01, 2020