Note: The job is a remote job and is open to candidates in USA. Central Bank of Kansas City is a community bank and certified Community Development Financial Institution committed to creating economic opportunity in the communities it serves. The Senior Credit Analyst will independently underwrite complex Commercial & Industrial and Commercial Real Estate relationships, monitor credit quality, support community-development finance, and strengthen underwriting standards through technical guidance and analytical expertise.
Responsibilities
- Independently underwrite new, renewal, modification, and annual-review requests involving C&I and CRE relationships
- Evaluate primary and secondary repayment sources and identify the assumptions on which repayment depends
- Analyze borrower and guarantor financial condition, historical performance, projections, liquidity, leverage, collateral, and industry considerations
- Prepare clear, decision-useful credit presentations identifying strengths, weaknesses, material risks, mitigants, and unresolved questions
- Evaluate loan structure, amortization, tenor, covenants, collateral, guarantor support, and other terms relative to identified risks
- Support accurate and well-documented risk-rating recommendations
- Analyze business financial statements, tax returns, interim results, projections, and recurring cash flow
- Evaluate working-capital cycles, accounts receivable, inventory, customer and vendor concentrations, borrowing-base considerations, and liquidity needs
- Assess leverage, fixed-charge coverage, global cash flow, management performance, owner distributions, affiliate activity, and guarantor support
- Recommend structural and covenant protections appropriate to the borrower’s operating risks
- Underwrite investment CRE, owner-occupied CRE, and construction or development transactions
- Evaluate property-level cash flow, debt-service coverage, occupancy, lease terms, tenant concentration, rollover risk, and sponsor support
- Review appraisals, rent rolls, operating statements, construction budgets, sources and uses, equity contributions, and other third-party information
- Assess loan-to-value, debt yield, breakeven occupancy, and sensitivity to changing rents, vacancy, expenses, capitalization rates, and interest rates
- Evaluate sponsor liquidity, contingent liabilities, global cash flow, and the ability to support a project when needed
- Analyze affordable-housing, LIHTC, NMTC, and other mission-oriented transactions when assigned
- Develop an understanding of layered capital structures involving tax-credit equity, subordinate debt, grants, and public or nonprofit funding
- Work with lenders, legal counsel, and internal subject-matter experts to understand specialized structures and clearly document material risks
- Perform annual reviews, covenant testing, borrowing-base analysis, and other ongoing portfolio monitoring
- Identify and promptly communicate material changes in borrower performance, collateral, guarantor strength, industry conditions, or repayment capacity
- Support watch-list reviews, criticized-credit monitoring, and action-plan development when requested
- Work collaboratively with lenders and Commercial Lending Coordinators to obtain information and complete reviews within established deadlines
- Serve as a technical resource and informal mentor to Credit Analysts
- Provide peer input on complex analytical issues when requested by the Credit Manager
- Help identify recurring underwriting issues, training needs, and opportunities to improve templates, standards, and quality-control practices
- Contribute to a culture where thoughtful questions, respectful challenge, accountability, and continuous learning are expected
Skills
- Approximately 5 or more years of progressively responsible commercial credit analysis, underwriting, or related commercial banking experience. Equivalent depth of experience will be considered
- Demonstrated underwriting experience with both C&I and Commercial Real Estate transactions
- Strong knowledge of commercial financial statements, tax returns, cash flow analysis, debt service capacity, leverage, liquidity, and guarantor analysis
- Experience evaluating CRE cash flow, rent rolls, leases, appraisals, loan-to-value, and sponsor support
- Ability to independently underwrite more complex transactions and identify material credit issues with limited direction
- Strong written credit-presentation and verbal communication skills
- Sound judgment, intellectual curiosity, organization, and attention to detail
- Ability to manage multiple priorities and deadlines while maintaining analytical quality
- Equivalent relevant commercial-credit and underwriting experience may be considered
- Experience mentoring or providing technical guidance to less-experienced analysts is preferred
- Experience in one or more of the following areas is helpful but not required:
- Affordable-housing or LIHTC financing
- New Markets Tax Credit transactions
- Community-development finance or CDFI lending
- Layered public-private capital structures; or
- Construction lending and other complex CRE transactions
- A bachelor's degree in finance, accounting, business, economics, or a related field is preferred
- Formal credit training or advanced banking education is valued
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