Our client, a $200M Community Bank, has asked us to assist in a search for a Senior Credit Analyst in Kansas City, KS. It will be responsible for underwriting a broad range of commercial credits up to $7MM.
Essential Responsibilities:
- Analyze the overall credit quality and risk of applicants by reviewing financial statements, tax returns, credit reports, collateral values, and other relevant information including independent online research.
- Prepare accurate financial spreads and cash flow models.
- Develop comprehensive credit presentations that include repayment capacity of the borrowers and guarantors, collateral descriptions, loan-to value and loan-to-cost calculations, and a clear summary of strengths, weaknesses, and risks.
- Collaborate and communicate clearly with loan officers to assess borrower’s needs, loan structure, and pricing.
- Ensure credit analysis and presentations reflect adherence to internal credit policies, loan administration procedures, and regulatory requirements.
- Assign and recommend credit risk ratings in accordance with Loan Policy guidelines.
- Determine whether requests for information should be furnished or refused based on confidentiality, requiring strong judgment and quick decision-making.
- Assist with annual loan reviews and portfolio monitoring as requested, including providing support to the Auditor during internal and external audits.
- Additional responsibilities as needed to support departmental and organizational goals.
Key Requirements:
- Bachelor’s Degree with strong emphasis in analytical skills, including accounting and finance courses.
- Minimum of 3 years prior credit analyst experience, preferably in the banking industry.
- Ability to analyze financial statements in terms of cash flow, debt service, balance sheet metrics, projection analysis and trend analysis.
- Proficiency in Microsoft Office products.
- Must possess strong written, oral and presentation skills to communicate in a clear and concise manner with internal and external customers.
- Knowledge of generally accepted accounting principles.
- Ability to prioritize multiple tasks.
- Strong organizational skills, detail oriented, efficient and ability to maintain a high degree of accuracy.
Skills Required
- Bachelor's degree with strong emphasis on analytical skills, including accounting and finance courses
- At least 3 years of prior credit analyst experience, preferably in banking
- Ability to analyze financial statements, cash flow, debt service, balance sheet metrics, projections, and trends
- Proficiency in Microsoft Office products
- Strong written, oral, and presentation skills
- Knowledge of generally accepted accounting principles
- Ability to prioritize multiple tasks
- Strong organizational skills, attention to detail, efficiency, and accuracy
What We Do
Ressler Consulting is an executive search firm focused on the banking and financial services sectors. It helps banks and other financial institutions identify and place leadership and other specialized talent through contingent, exclusive, and retained search models. The firm emphasizes personalized service, strategic recruiting, trusted-advisor relationships, cultural alignment, and long-term placements, aiming to strengthen organizations and support sustainable growth for clients and candidates.
