Credit Analyst - Overland Park, KS

Position

Credit Analyst

Credit Administration

Overland Park, KS (on-site)

Full-Time/Salary

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 client relationships, deliver the banking products and services that meet the unique needs of clients, and create an atmosphere of superior experience and service. At Equity Bank we’ll help you invest in your community through volunteer opportunities that align with our company initiatives and core values.

• Produce high‑quality credit presentations/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 the collateral securing the loan(s)
• Create a well‑written, reader‑friendly credit presentation/annual review that accurately represents Equity Bank’s position on the credit facility(ies) under discussion
• Manage relationships with Loan Officers
• Utilize written and oral communication skills to obtain all needed information for requests/annual reviews in a timely manner
• In conjunction with Loan Officers, contact customers, CPAs and advisors when needed
• Confirm all credit applications/annual reviews with officers to present the best, most accurate product to Approval Authorities
• Become familiar with loan policy, underwriting guidelines, credit procedures, commercial loan types, and commercial loan documentation (UCCs, Security Agreements, Real Estate Mortgages, Assignment of Leases and Rents)
• Understand real estate appraisals and evaluations, both internal and from 3rd‑party vendors, and environmental reports
• Maintain customer relationships and a positive professional image for Equity Bank
• Develop a friendly, customer‑service image for customers
• 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, including 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
• Capable of managing multiple projects simultaneously and meeting deadlines in a fast‑paced environment

Equity Bank, a full‑service, $5 billion community bank, is based in Wichita, Kansas, with 72 bank offices throughout Kansas, Missouri, Arkansas, and Oklahoma. We offer 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 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.

• Health, Dental & Vision Insurance
• Group Life & Long‑Term…