Credit Analyst - Agricultural

at  Equity Bank

JOB TITLE: CREDIT ANALYST - AGRICULTURAL

Job Type: Full Time
Location: US - KS - Wichita
Jump start your career at Equity Bank! We are currently hiring energetic, team oriented, and community focused individuals to join our team! With a team of best-in-class customer service experts, you’ll help to build and expand on client relationships, deliver the banking products and services that meet the unique and individual needs of clients, and create and uphold an atmosphere of superior experience and service. At Equity Bank we’ll help you invest in your community through volunteer opportunities which align with our company initiatives and core values.

INDUSTRY SKILLS/QUALIFICATIONS/REQUIREMENTS:

• Ag CA I & CA II - Bachelor’s Degree, or equivalent experience, required. Emphasis on Agricultural Business, Finance and Accounting.
• Ag CA II - Two to five years of experience, as a credit analyst, or equivalent experience.
• Advanced Training & Development – The Senior Credit Analyst – Agriculture will have participated in and obtained certification in credit related programs including RMA and Agricultural Banking School
• Excellent interpersonal skills and professional manner
• Computer skills, especially the ability to work in Windows based systems

WHO WE ARE

Equity Bank, a full-service, $5 billion community bank, is based in Wichita, Kansas, with 70 bank offices throughout Kansas, Missouri, Arkansas, and Oklahoma.
At Equity Bank, you can find exciting opportunities to challenge you, expand your skills, and reward your contributions. Our employees receive competitive compensation and benefits, while working in an atmosphere that encourages personal and professional growth. We’re searching for motivated individuals who are passionate about serving others, learning new technologies, and working as part of a team.
Equity Bank offers a full range of financial solutions, including online and mobile banking, commercial loans, consumer banking, and mortgage loans, treasury management service, the best solutions for your business, and absolutely zero ATM fees, anywhere.

PHYSICAL REQUIREMENTS

This position requires standing, walking, bending, and squatting on a regular basis. May require the ability to stoop, kneel, crouch or reach with hands and arms. Requires the ability to carry, lift, move or push up to 25 pounds on an occasional basis. Must be able to talk and listen to others.

1. Responsibilities and Expectations:

• Produce quality credit presentation /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.
• Identifies material changes and / or trends in the balance sheet and income statement.
• Completes deal specific and global cash flow analysis.
• Identifies and analyzes the adequacy of the collateral securing the loan(s).
• Creates a well-written credit presentation /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
• Works on large, complex Agricultural loan relationships independently

5. Reports and responsibilities - Manage Other Related Projects as assigned, including:

• Financial Covenant Monitoring / Approval.
• Borrowing Base Certificate Monitoring / Approval.
• Prepare Weekly, Monthly, Quarterly, and Annual Reports as assigned