Credit Analyst

## Credit Analyst Apply:
MO
- Kansas City Downtown/Plaza
- Kansas City - KC Downtown Bank Building (1000 Walnut) (64106):
Full time:
Posted Yesterday:
38611
** About Working at Commerce
** Building a career here is more than just steps on a ladder. It’s about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn’t stop there. Our culture is about our people, the ones in our communities and the ones that work with us.  Here, you’ll find opportunities to grow and learn, to connect with others, and build relationships with the people around you.

You’ll have the space and resources to grow into the best version of yourself. Because our number one investment is you.

Creating an award-winning culture doesn't come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let’s talk.

** Compensation Range
** Hourly: $26.70 - $31.50 (Amount based on relevant experience, skills, and competencies.)
** About This Job
** The main purpose of this job is to be responsible for analyzing commercial credits by conducting comprehensive financial analysis on companies of diverse industries and sizes.  
** Essential Functions*
* * Prepare Credit Approval Summary packets (minimal to moderate complexity) manually and through Moody’s Credit Lens
* Prepare financial statement spreads and other credit related items as needed (minimal to moderate complexity)
* Perform basic to moderate financial analysis on companies of diverse industries and sizes for commercial loan requests working to research and learn loan structuring and cash flow
* Research and understand basic to moderate level loan documentation and various bank systems
* Submit work for feedback and analysis
* Share beginner level knowledge with others during training and onboarding process
* Exposure to and/or performance of simple pricing worksheets for loan and relationship profitability
* Exposure to loan committee secretary function
* Perform other duties as assigned  
** Knowledge, Skills & Abilities Required*
* * Basic to intermediate knowledge of financial concepts and financial statements utilizing financial and accounting principles
* Basic to intermediate understanding of key financial metrics such as cashflow, leverage and debt service coverage
* Basic understanding of loan structure including cashflow thresholds, collateral pools, covenants and other risk mitigating techniques
* Beginner level knowledge of Moody’s Credit Lens
* Motivated and organized with strong attention to detail and the ability to manage priorities with oversight
* Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
* Ability to remain adaptable and resilient to most situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
* Intermediate level proficiency with Microsoft Word, Excel and Outlook  
** Education & Experience*
* * Bachelor’s degree in a Business related field, with a preference for majors in Finance or Accounting, or equivalent combination of education and experience required
* 6 credit hours of Accounting, or related coursework and 9 credit hours of Finance, or related coursework required
* 1+ year prior credit or financial analyst experience preferred   *
* * For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles.  This compensation range is for the Credit Analyst job and contemplates a wide range of factors that are considered in making…