Credit Analyst - Wichita, KS

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There’s no limit to your potential here. Your career growth is dictated by what you put into it. We offer opportunities to challenge you, expand your skills, and reward your contributions. Here, we offer competitive compensation and benefits, and a working environment that’s tough to beat.

We want passionate, customer-focused people, willing to learn and motivated to grow. Are you ready to join our team?

See our current open positions.

Location: Wichita, KS

Job :4440

# of Openings:1

Position:
Credit Analyst

Department:
Credit Administration

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.

Responsibilities and Expectations

• 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 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.
• 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 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.
• General banking / credit related knowledge – Credit Analyst I will become familiar with and understand:
• Loan Policy, underwriting guidelines and credit procedures.
• Commercial loan types and their uses in loan 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 3 rd party vendors.
• 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.
• 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 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.
• Perform other duties as assigned or required.

Required Skills & Education

• Bachelor’s degree in finance, Accounting, Economics, Business Administration, or a related field.
• High level…