Credit Analyst - Lincoln, NE

Position:
Credit Analyst Department:
Credit Administration

Location:

Lincoln, NE (on-site)

Employment Type:

Full-Time/Salary Responsibilities

• Produce high 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 emphasis on all financial activities of the borrower.
• Identify material changes and/or trends in the balance sheet and income statement.
• Complete deal specific and global cash flow analysis.
• Identify and analyze the adequacy of collateral securing the loan(s).
• Create 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.
• Manage relationships with loan officers.
• Utilize written and oral communication skills to obtain all needed information for any requests/annual reviews in a timely manner.
• In conjunction with loan officer, contact customers, CPAs, and advisors when needed.
• Confirm all credit applications/annual reviews with officers to present the approval authorities with the most accurate product.
• General banking/credit related knowledge: become familiar with and understand
  • Loan policy, underwriting guidelines, and credit procedures.
  • Commercial loan types and their uses in structuring.
  • Commercial loan documentation including security documents (UCCs, security agreements, real‑estate mortgages, assignment of leases and rents).
  • Real‑estate appraisals and evaluations, both internal and from third‑party vendors.
  • Environmental reports.
  • Customer relationships.
  • Effective written and oral communication skills to relay and acquire information to and from customers, CPAs, and advisors.
• 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.
  • Understand and follow applicable laws and regulations for job responsibilities including but not limited to Equity Bank Business Ethics and Conduct policy, Bank Secrecy Act, information security, and suspicious activity reporting (“SAR”) requirements.
  • Perform other duties as assigned or required.

• Bachelor’s degree in finance, accounting, economics, business administration, or a related field.
• High level of accuracy and attention to detail to identify risk factors and ensure quality in credit evaluations.
• Ability to think critically and make informed decisions based on a thorough analysis of credit data.
• Effective written and verbal communication skills to clearly convey credit analysis findings and recommendations to stakeholders, including senior management.
• Proficiency in Microsoft Office Suite, particularly Excel.
• Capability to manage multiple projects simultaneously and meet deadlines in a fast‑paced environment.

We believe your benefits are an important part of your overall compensation package. We work year‑round to provide our employees with the most up‑to‑date, competitive program and strive to support your physical and financial well‑being.

• Health, dental & vision insurance
• Group life & long‑term disability insurance
• Flexible spending & health savings accounts
• Group cancer insurance
• 401(k) retirement plan with company match
• Generous vacation & sick time
• Employee stock purchase plan (ESPP)
• Pet insurance
• Retail banking benefits

This 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.

This 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.