Credit Analyst

US-MO-Kansas City

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Job Description

1. Produce quality credit applications/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

Create a well-written credit application/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

 

2.  Customer relationships.

Utilize written and oral communication skills to relay and acquire information to and from customers

Develop and maintain a positive professional image for Equity Bank

Create a friendly, customer service image to customers

Make customers aware that the lending process is not a grueling one through a positive and customer-friendly attitude

Establish to customers that Equity Bank is more than willing and able to assist them with any additional banking needs that may be unrelated to lending

 

3. 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

Contact customers on behalf of officers 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

 

4. Reports and responsibilities.

Assist with Underwriting / Approving Consumer Loan Requests when needed

Manage the Equity Bank Appraisal Process

Ordering appraisals for customer, internal, and / or OREO purpose

Communicating with appraisers throughout the process

Following up with appraisers on questions, delivery and timing

Managing the payment process – ensuring appraisers are paid in a timely fashion

Completing appraisal reviews

Manage Other Related Projects as assigned, including:

Real Estate Collateral Evaluations – including site inspections and analysis

Non-Real Estate Collateral Evaluations – including inventory inspections, equipment inspections, floor plan inspections

Financial Covenant Monitoring / Approval

Borrowing Base Certificate Monitoring / Approval

Prepare Weekly, Monthly, Quarterly, and Annual Reports as assigned

 

5. 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 requirements.

 

6. Other Duties and Tasks as assigned.