Senior Credit Analyst

🕒 6 dias atrás

🌪️ Kansas, Missouri – Remoto

🌪️ Kansas – Remote 🏰 Missouri – Remote

⏰ Tempo Integral

🟠 Sênior

🧐 Analista

👻 Score fantasma 12%

O que significa: quão provável esta vaga está aberta sem contratação ativa.Como ler: 60% ou mais significa que achamos que é uma vaga fantasma. Pontuações mais baixas preocupam menos.Como pontuamos: tempo em aberto, republicações, vagas abertas vs tamanho do time, rapidez para fechar vagas, e se o salário está divulgado.Observação: é uma estimativa de dados públicos, não um julgamento da empresa. Vagas reais podem ter pontuação alta, então use como uma dica, não como um fato.

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Central Bank of Kansas City

SiteLinkedInTodas as Vagas

11 - 50 funcionários

Fundada em 1951

🏦 Bancário

🤝 B2B

👥 B2C

💰 $9.000.000 Grant - Central Bank of Kansas City em 2024-10

Banking • B2B • B2C

O Central Bank of Kansas City é um banco comercial comunitário, segurado pelo FDIC e com sede em Kansas City, Missouri, voltado para o desenvolvimento da comunidade. Certificado como Community Development Financial Institution (CDFI) desde 1998 e único banco CDFI com sede em Kansas City, oferece serviços bancários para pessoas físicas e empresas, além de soluções de crédito e capital orientadas por sua missão, destinadas a bairros que enfrentam dificuldades de acesso a serviços financeiros — incluindo financiamento habitacional acessível, empréstimos para desenvolvimento comunitário e projetos que utilizam New Markets Tax Credits. O banco prioriza o impacto local por meio de investimentos comunitários impulsionados por depósitos, parcerias com organizações sem fins lucrativos e fundações e serviços personalizados para pequenas empresas e consumidores da região de Kansas City.

Descrição

• Independently underwrite new, renewal, modification, and annual-review requests involving C&I and CRE relationships • Evaluate primary and secondary repayment sources and the assumptions on which repayment depends • Analyze borrower and guarantor financial condition, historical performance, projections, liquidity, leverage, collateral, and industry considerations • Prepare clear credit presentations identifying strengths, weaknesses, material risks, mitigants, and unresolved questions • Evaluate loan structure, amortization, tenor, covenants, collateral, guarantor support, and other terms relative to identified risks • Support accurate and well-documented risk-rating recommendations • Analyze business financial statements, tax returns, interim results, projections, recurring cash flow, working-capital cycles, concentrations, borrowing-base considerations, and liquidity needs • Underwrite investment CRE, owner-occupied CRE, and construction or development transactions • Evaluate property-level cash flow, debt-service coverage, occupancy, lease terms, tenant concentration, rollover risk, and sponsor support • Review appraisals, rent rolls, operating statements, construction budgets, sources and uses, equity contributions, and other third-party information • Assess loan-to-value, debt yield, breakeven occupancy, and sensitivity to changing rents, vacancy, expenses, capitalization rates, and interest rates • Analyze affordable-housing, LIHTC, NMTC, and other mission-oriented transactions when assigned • Work with lenders, legal counsel, and internal subject-matter experts to understand specialized structures and document material risks • Perform annual reviews, covenant testing, borrowing-base analysis, and ongoing portfolio monitoring • Communicate material changes in borrower performance, collateral, guarantor strength, industry conditions, or repayment capacity • Support watch-list reviews, criticized-credit monitoring, and action-plan development • Collaborate with lenders and Commercial Lending Coordinators to complete reviews within established deadlines • Serve as a technical resource and informal mentor to Credit Analysts • Provide peer input on complex analytical issues • Identify underwriting issues, training needs, and opportunities to improve templates, standards, and quality-control practices

🎯 Requisitos

• Approximately 5 or more years of progressively responsible commercial credit analysis, underwriting, or related commercial banking experience • Equivalent depth of experience will be considered • Demonstrated underwriting experience with both C&I and Commercial Real Estate transactions • Strong knowledge of commercial financial statements, tax returns, cash flow analysis, debt service capacity, leverage, liquidity, and guarantor analysis • Experience evaluating CRE cash flow, rent rolls, leases, appraisals, loan-to-value, and sponsor support • Ability to independently underwrite more complex transactions and identify material credit issues with limited direction • Strong written credit-presentation and verbal communication skills • Sound judgment, intellectual curiosity, organization, and attention to detail • Ability to manage multiple priorities and deadlines while maintaining analytical quality • Experience mentoring or providing technical guidance to less-experienced analysts is preferred • Experience with affordable housing, LIHTC, NMTC, community-development finance, layered public-private capital structures, or construction lending is helpful but not required • A bachelor’s degree in finance, accounting, business, economics, or a related field is preferred • Formal credit training or advanced banking education is valued

🏖️ Benefícios

• Opportunity to work on a diverse portfolio of traditional commercial and mission-oriented transactions • Opportunity to help shape a thoughtful, consistent, and effective credit process • Positive, high-energy environment • Courtesy and respect in the workplace • Equal opportunity employment • Reasonable accommodation support for applicants with disabilities