Senior Credit Analyst

This is a fully remote position, open to applicants in Kansas, +1 more state.

📋 Description

• Independently assess new, renewal, modification, and annual-review requests related to C&I and CRE relationships.

• Evaluate primary and secondary repayment sources along with the underlying assumptions for repayment.

• Analyze the financial condition of borrowers and guarantors, including historical performance, projections, liquidity, leverage, collateral, and industry factors.

• Create concise credit presentations that highlight strengths, weaknesses, material risks, mitigants, and unresolved inquiries.

• Review loan structures, amortization schedules, tenors, covenants, collateral, guarantor support, and other terms in relation to identified risks.

• Facilitate accurate and well-supported risk-rating recommendations.

• Analyze business financial statements, tax returns, interim results, projections, recurring cash flow, working capital cycles, concentrations, borrowing-base considerations, and liquidity requirements.

• Underwrite investment CRE, owner-occupied CRE, and construction or development transactions.

• Assess property-level cash flow, debt-service coverage, occupancy rates, lease terms, tenant concentration, rollover risks, and sponsor support.

• Review appraisals, rent rolls, operating statements, construction budgets, sources and uses, equity contributions, and other third-party materials.

• Evaluate loan-to-value ratios, debt yield, breakeven occupancy, and sensitivity to fluctuations in rents, vacancy rates, expenses, capitalization rates, and interest rates.

• Analyze affordable housing, LIHTC, NMTC, and other mission-driven transactions as assigned.

• Collaborate with lenders, legal counsel, and internal subject-matter experts to comprehend specialized structures and document significant risks.

• Conduct annual reviews, covenant testing, borrowing-base analysis, and ongoing portfolio oversight.

• Communicate significant changes in borrower performance, collateral, guarantor strength, industry dynamics, or repayment capabilities.

• Assist in watch-list reviews, criticized credit monitoring, and action-plan formulation.

• Partner with lenders and Commercial Lending Coordinators to finalize reviews within set deadlines.

• Act as a technical resource and informal mentor for Credit Analysts.

• Provide peer feedback on complex analytical matters.

• Identify underwriting challenges, training needs, and opportunities for enhancing templates, standards, and quality-control practices.

⛳️ Requirements

• Around 5 or more years of progressively responsible experience in commercial credit analysis, underwriting, or related commercial banking roles.

• Equivalent experience depth will also be considered.

• Proven experience in underwriting both C&I and Commercial Real Estate transactions.

• Strong understanding of commercial financial statements, tax returns, cash flow analysis, debt service capacity, leverage, liquidity, and guarantor evaluation.

• Experience in assessing CRE cash flow, rent rolls, leases, appraisals, loan-to-value ratios, and sponsor support.

• Capability to independently underwrite more complex transactions and pinpoint significant credit issues with minimal guidance.

• Excellent written and verbal communication skills for credit presentations.

• Strong judgment, curiosity, organizational skills, and attention to detail.

• Ability to handle multiple priorities and deadlines while ensuring analytical quality.

• Preferred experience in mentoring or providing technical support to junior analysts.

• Familiarity with affordable housing, LIHTC, NMTC, community-development finance, layered public-private capital structures, or construction lending is advantageous but not essential.

• A bachelor’s degree in finance, accounting, business, economics, or a related discipline is preferred.

• Formal credit training or advanced banking education is highly regarded.

🏝️ Benefits

• Opportunity to engage with a diverse portfolio of traditional commercial and mission-focused transactions.

• Chance to influence a thoughtful, consistent, and effective credit process.

• Dynamic and positive work environment.

• Commitment to courtesy and respect in the workplace.

• Equal opportunity employment practices.

• Reasonable accommodation support available for applicants with disabilities.