Commercial Credit Analyst at Sunflower Bank NA

Houston, Texas, United States -

Full Time

Start Date

Immediate

Expiry Date

02 Oct, 26

Salary

0.0

Posted On

04 Jul, 26

Experience

0 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Financial Analysis, Risk Assessment, Credit Underwriting, Financial Modeling, Loan Covenant Monitoring, Industry Research, Loan Documentation, Microsoft Word, Microsoft Excel, Salesforce, nCino, Financial Statement Analysis, Written Communication, Verbal Communication, Attention To Detail, Confidentiality

Industry

Banking

Description

Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more about Sunflower Bank, N.A. at sunflowerbank.com. Sunflower Bank, N.A. is currently searching for a detail-oriented and highly motivated Commercial Credit Analyst in Houston, TX. Description: The Commercial Credit Analyst will support Commercial Credit Underwriters in every aspect of the latter’s day-to-day activities. Responsibilities: Assist with financial analysis and risk assessment by preparing financial statement spreads, analyzing trends, and supporting credit underwriting decisions. Support Credit Underwriters in the preparation of credit memoranda for amendments, waivers, annual reviews, and other requests. Develop proficiency in systems and tools used by the credit team, including spreading software, financial modeling tools, and credit approval platforms. Build a foundational understanding of the bank’s credit policies, underwriting standards, and risk metrics, and apply them in daily activities. Acquire a basic understanding of the bank’s metrics and conditions for extending credit by applying that understanding on a daily basis. Develop the ability to monitor borrower financial performance and track compliance with loan covenants and borrowing base requirements. Conduct industry research and prepare overviews highlighting trends and conditions impacting clients and prospects. Become familiar with loan documentation and capable of producing summaries of important loan conditions and collateral structures. Gain an understanding of the Bank’s ancillary products important to building the bank’s relationship with its commercial/corporate clients and assist and collaborate with internal partners to support cross-sell opportunities. Education / Experience Preferred: Bachelor’s Degree in Accounting, Finance or other applicable undergraduate or graduate degree. 1+ years in commercial lending and credit analysis. Must possess excellent Microsoft Office Suite skills, specifically Word/Excel. Must possess aptitude for learning new systems and applications quickly, specifically Salesforce.com and nCino Bank Operating System. Must possess excellent verbal and written communication skills. Must possess ability to prioritize and complete tasks or projects on time with a high level of accuracy and strong attention to detail. Must have the ability to remain educated and informed on industry trends, market conditions and regulatory requirements and actively work to continuously develop professionally. Ability to handle sensitive information with complete confidentiality and professionalism. Must possess ability to understand financial statements, including balance sheets, income statements, and cash flow statements. Travel will be required, as needed. Pay is dependent on knowledge, skills, abilities, experience, and location. Working Conditions The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus. Sunflower Bank Benefits People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team. Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are: Rooted in Strength Propelled by Growth Individuals in a Great Whole Creating Possibility Community Focused Associates enjoy outstanding benefits, including: 401(k) Plan with 6% Match Health/Dental/Vision Insurance Company-paid Life Insurance Tuition Reimbursement Fitness Reimbursement Paid Time Off Volunteer Leave Paid Holidays Plus many more associate perks & incentives! If you qualify, apply online at www.sunflowerbank.com/careers. You’ve never worked anyplace like Sunflower Bank! EOE/AA: Minorities/Females/Disabled/Vets Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law. Open until filled; early application encouraged. This vacancy announcement may be used to fill similar positions within 90 days. If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location-specific notices is available on our privacy policy.

Responsibilities

The Commercial Credit Analyst supports underwriters by preparing financial statement spreads, analyzing trends, and drafting credit memoranda. They are also responsible for monitoring borrower performance, tracking loan covenants, and conducting industry research.