Credit Analyst

SUMMARY: Responsible for evaluating the financial health of commercial, real estate, and small business loan applicants. This role supports the bank’s lending officers by performing in-depth financial analysis, assessing creditworthiness, preparing credit memos, and monitoring the ongoing performance of loan portfolios. The Credit Analyst plays a key role in ensuring the Bank’s credit decisions are sound, prudent, and aligned with regulatory and internal risk management standards.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Analyze and interpret financial statements, tax returns, and cash flow statements of individuals and businesses.
• Prepare comprehensive written credit memoranda with risk ratings and recommendations for loan committee review.
• Conduct collateral analysis and evaluate loan structures for appropriate risk mitigation.
• Preform annual reviews on existing borrower relationships, including covenant compliance and financial performance tracking.
• Work closely with commercial lenders and senior credit officers to structure new and renewed credit requests.
• Stay current with industry trends, local market conditions, and regulatory guidance.
• Assist in the maintenance of the bank’s loan portfolio by identifying early warning signs of credit deterioration.
• Support internal audits, loan reviews, and regulatory examinations by providing required financial documentation and analysis.

SUPERVISORY REQUIREMENTS:

• This position does not require supervisory responsibility.

POSITION REQUIREMENTS:

• Bachelor’s degree in Finance, Accounting, Economics, or related field.
• 1–3 years of experience in banking, commercial lending, or credit analysis preferred (internship or relevant experience considered).
• Strong knowledge of financial statement analysis, cash flow modeling, and risk assessment.
• Excellent written and verbal communication skills with ability to prepare clear, concise reports.
• Proficiency with Microsoft Excel, Word, and financial analysis software.
• Detail-oriented, analytical thinker with strong problem-solving skills.
• Ability to manage multiple tasks, meet deadlines, and work effectively as part of a team

COMPUTER SKILLS/EQUIPMENT USED:

• General office equipment (computer, printer, fax, copy machine), scanner, adding machine, calculator.

Equal Opportunity Statement

Central Bank of Kansas City is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, or disability status. If you need an accommodation to apply for a position at Central Bank of Kansas City, please contact Human Resources at egenis@centralbankkc.com