About Working at Commerce
Building a career here is more than just steps on a ladder. It’s about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn’t stop there. Our culture is about our people, the ones in our communities and the ones that work with us.
Here, you’ll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You’ll have the space and resources to grow into the best version of yourself. Because our number one investment is you.
Creating an award-winning culture doesn't come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let’s talk.
Compensation Range
Hourly: $30.55 - $35.80 (Amount based on relevant experience, skills, and competencies.)About This Job
The main purpose of this job is to be responsible for analyzing commercial credits by conducting and reviewing comprehensive financial analysis on companies of diverse industries and sizes.
Essential Functions
Prepare Credit Approval Summary packets (highly complex) manually and through Moody’s CreditLens
Review Credit Approval Summary packets (minimal to moderate complexity) completed by other Analysts and Trainees
Review financial statement spreads completed by other Analysts and Trainees with completion of highly complex spreads
Perform complex financial analysis on companies of diverse industries and sizes for commercial loan applying prior knowledge of loan structuring and cash flow
Research and understand complex legal loan documentation
Provide error resolution and feedback based on work reviewed
Serve as SME for financial statement spread and CAS packet compilation process, sharing knowledge with others in the department by way of training/onboarding or ongoing quality control
Create pricing worksheets for loan and relationship profitability
Serve as the Loan committee secretary
Perform other duties as assigned
Knowledge, Skills & Abilities Required
Intermediate to expert knowledge of financial concepts and financial statements utilizing financial and accounting principles
Intermediate to expert understanding of key financial ratios such as cashflow, leverage and debt service coverage
Intermediate understanding of loan structure including cashflow thresholds, collateral pools, covenants and other risk mitigating techniques
Intermediate level knowledge of Commerce (or other conservative peer bank) risk appetite with application during underwriting process
Intermediate level of Moody’s CreditLens and associated processes
Motivated and organized self-starter with strong attention to detail and the ability to manage multiple competing priorities with little to no oversight
Ability to drive results while applying above knowledge
Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
Ability to remain adaptable and resilient to most situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
Intermediate level proficiency with Microsoft Word, Excel and Outlook
Education & Experience
Bachelor’s degree in a Business related field, with a preference for majors in Finance or Accounting, or equivalent combination of education and experience required
3+ years prior credit or financial analyst experience in commercial lending or credit administration department required
***For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles. This compensation range is for the Senior Credit Analyst job and contemplates a wide range of factors that are considered in making compensation decisions, including but not limited to location, skill sets, education, relevant experience and training, licensure and certifications, and other business and organizational needs. The disclosed range estimate has not been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. At Commerce, compensation decisions are dependent on the facts and circumstances of each situation. A reasonable estimate of the current base pay is $30.55 to $35.80 per hour.
#LI-MC1
The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits. Click here to learn more.
Location: 1000 Walnut St, Kansas City, Missouri 64106Time Type:
Full timeSkills Required
- Bachelor's degree in Business, Finance, Accounting or equivalent combination of education and experience
- 3+ years credit or financial analyst experience in commercial lending or credit administration
- Intermediate to expert knowledge of financial concepts and financial statements using accounting principles
- Intermediate to expert understanding of key financial ratios (cashflow, leverage, debt service coverage)
- Intermediate understanding of loan structure including cashflow thresholds, collateral, covenants and risk mitigation
- Intermediate level proficiency with Moody's CreditLens and associated processes
- Intermediate proficiency with Microsoft Word, Excel and Outlook
- Ability to manage multiple competing priorities, strong attention to detail, and effective written and verbal communication skills
Commerce Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Commerce Bank and has not been reviewed or approved by Commerce Bank.
-
Healthcare Strength — Feedback suggests medical coverage is robust with multiple plan options through major carriers and added programs like Hinge Health, Virta, and an EAP. Preventive care emphasis and digital care resources indicate strong day‑to‑day health support.
-
Leave & Time Off Breadth — Feedback suggests time off is comprehensive with vacation, sick/personal time, holidays, parental leave, volunteer time off, and a vacation purchase program. Flexible schedules further support effective use of PTO.
-
Retirement Support — Feedback suggests retirement benefits are solid with a structured 401(k) and a tiered company match on the first portion of pay. The design increases support with age and service, signaling commitment to long‑term savings.
Commerce Bank Insights
What We Do
At Commerce Bank, we know life’s best moments can come with some financial complexity. Our job is to help people and businesses navigate challenges so they can get back to focusing on what matters most. We do this by getting to know our customers and communities and accepting their goals as our own to deliver the right financial solutions and guidance. It’s what we’ve done for more than 150 years. We’re a regional bank headquartered in Kansas City and St. Louis, delivering a full line of financial services including business and personal banking, checking, savings, loans (including mortgages and student loans), credit and debit cards, plus investment services and wealth management.
