Credit Analyst

Job Description

Credit Analyst | Equity Bank

The Tone:
This is a full-time role at Equity Bank, located in Lincoln, NE. Equity Bank is a full-service community bank operating across Kansas, Missouri, Arkansas, and Oklahoma, committed to building client relationships and delivering superior banking products and services. This role is crucial for maintaining accurate credit assessments and supporting the bank’s lending decisions, which directly impacts client success and community investment.

The TL;DR
• Role: Early Career
• Type: Full-time
• Location: In-person, Lincoln, NE

• Team: Credit Administration
• Mission: To produce high-quality credit presentations and annual reviews that accurately reflect the borrower’s financial position for approval authorities.
• Tech Stack: Microsoft Office Suite, particularly Excel

What You’ll Actually Do
• Produce Reviews: Create high-quality credit presentations and annual reviews for various approval authorities by analyzing customer-provided financial information.
• Analyze Financials: Conduct comprehensive analysis of financial spreads, identifying material changes and trends in balance sheets and income statements, and completing deal-specific and global cash flow analysis.
• Evaluate Collateral: Identify and analyze the adequacy of collateral securing loans and create well-written, reader-friendly credit presentations that exemplify the bank’s position.
• Collaborate with Loan Officers: Manage relationships with Loan Officers, utilizing strong communication skills to obtain necessary information in a timely manner, and contacting customers, CPAs, and advisors when required.
• Monitor and Report: Manage assigned projects such as financial covenant monitoring and borrowing base certificate monitoring and approval, and prepare weekly, monthly, quarterly, and annual reports.

The Must-Haves
• Background: Bachelor’s degree in finance, Accounting, Economics, Business Administration, or a related field.
• Experience: Proficiency in Microsoft Office Suite, particularly Excel, and an ability to manage multiple projects simultaneously while meeting deadlines.
• Skills: High level of accuracy and attention to detail, critical thinking for informed decision-making based on credit data, and effective written and verbal communication skills.