KEY RESPONSIBILITIES
Underwriting
- Coordinate/assist in underwriting process for both new and existing commercial transactions
- Demonstrates advanced proficiency in structuring complex credit transactions and assessing risk across diverse industries and borrower profiles
- Anticipates potential credit issues and proactively recommends solutions that align with the bank’s risk appetite and strategic goals
- Ensure that loan structure and pricing reflect both asset quality and return on equity expectations of bank
- Serves as a mentor to junior team members, providing guidance on credit structuring and decision-making
- Facilitate and participate in discussions with commercial lending staff and decision makers to advance credit approval process
- Contributes to the continuous improvement of credit processes and policy interpretation
Financial Analysis
- Collects and researches data and synthesizes financial data into meaningful terms
- Recognizes trends and patterns and identifies data relationships and dependencies
- Makes recommendations based on analysis
- Consistently delivers high-quality work, setting an example for others
Portfolio Management
- Monitor and manage portfolio activities individually and/or jointly with Relationship Manager, based on size and complexity of client relationship
- Provide leadership role in loan renewals, annual review and other regular reporting for existing loan relationships
- Review and monitor trends to ensure accurate risk rating and appropriate risk mitigation is in place at all times
- Proactively identifies opportunities and contributes to team success
- Additional responsibilities may include oversight of specific Commercial Segment including significant input regarding polices and processes to help manage performance and risk management across the bank
Relationship Management
- Cultivates and sustains high-value relationships with both internal stakeholders and key clients
- Demonstrates empathy, openness to diverse viewpoints, and a collaborative mindset
- Serves as a trusted advisor and strategic partner
- Leads by example in fostering collaboration, resolving conflict, and expanding client relationships to support long-term growth and retention
Teamwork
- Proactively establish and maintain effective working relationships with all commercial related associates and functions
- Collaborate with others to maintain/improve overall processes and procedures while being sensitive to the voice of the client in daily interactions
- Encourage open communication and ensure that all parties have the opportunity to share concerns and opinions
Business Acumen
- Demonstrates advanced understanding of business strategy, regulatory frameworks, and market forces
- Anticipates implications of credit decisions on profitability, risk, and customer relationships
- Aligns efforts with enterprise-wide goals and Emprise’s long-term vision
Judgment
- Consistently exercises advanced-level judgment in complex credit and portfolio decisions
- Anticipates downstream impacts and integrates strategic, financial, and regulatory considerations
- Serves as a resource for peers and contributes to decision-making frameworks and policy refinement
Compliance
- Stays current with regulatory activities and complies with legal and regulatory guidelines
- Ensures that credit decisions are appropriately documented
Other duties as assigned within the scope and responsibility of the job
Requirements
- Bachelor’s degree in business or related discipline, or level of education that, together with industry experience, enables the applicant to meet the job requirements
- Minimum of two years’ overall banking experience required in growth-oriented commercial or corporate lending environment with experience in portfolio management and/or underwriting
- Thorough knowledge of credit policies, procedures and terminology
- Excellent presentation, verbal, and written communication skills
- Proficiency with large server-based applications and typical desktop software
- Solid understanding of regulatory and compliance guidelines and requirements concerning all aspects of commercial credit
In addition to a competitive salary and benefits, Emprise offers professional growth, a rewarding and challenging environment, opportunities to be involved in our communities, and a culture of integrity, passion, and success.
At Emprise Bank, empowering people to thrive means having an all-inclusive culture that honors our commitment to all dimensions of diversity in our workforce and embraces inclusion of all people. People of color, women, LGBTQIA+, veterans, and persons with disabilities are encouraged to apply.
To learn more, please visit our website at www.emprisebank.com.
Emprise Bank is an EEO/AA/ADA/Veteran Employer/Member FDIC/Drug Free Workplace.
Emprise Bank participates in E-Verify and will provide your Form-I 9 to the federal government to confirm authorization to work in the United States.
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
Skills Required
- Advanced proficiency structuring complex commercial credit transactions and assessing credit risk
- Experience performing detailed financial analysis and synthesizing financial data to make recommendations
- Portfolio management experience including monitoring, risk rating, renewals, and reporting for commercial loans
- Ability to collaborate with relationship managers and stakeholders and cultivate high-value client relationships
- Leadership and mentorship skills to guide junior team members and influence credit decisions
- Strong judgment and decision-making in complex credit and portfolio scenarios
- Knowledge of regulatory requirements and ability to ensure credit documentation and compliance
- Experience contributing to policy, process improvements, and enterprise-aligned risk management
What We Do
The history of Emprise Bank began in 1910 with the formation of Stockyards National Bank. By setting a higher standard of service for Wichita’s banking customers, the Bank was destined for success from its very first transaction. In 1965, the Michaelis family acquired Stockyards National Bank, which changed its name to United American Bank & Trust in the early 1970s. Over the next 25 years, the Michaelis family acquired banks and opened locations in communities across Kansas including Council Grove, Eureka, Hays, Hillsboro, Iola, Moran, Potwin, and Toronto. They also acquired the National Bank of Wichita and Wichita State Bank. In 1989, the three Wichita banks merged under the name of Emprise Bank.
