Job Description

Job Title: Bank Credit Analyst

Location : Kansas branches: Overbrook, Paola, Carbondale, Tonganoxie, Wichita, Argonia, Conway Springs or Norwich

Job Summary: A Bank Credit Analyst evaluates the financial health and creditworthiness of individuals, businesses, and organizations applying for loans or other forms of credit. The analyst reviews financial statements, credit reports, cash flow, and market conditions to determine lending risk and make recommendations that support sound credit decisions while ensuring compliance with bank policies and regulatory requirements.

Key Responsibilities

• Analyze financial statements, tax returns, credit reports, and cash flow to assess a borrower’s ability to repay debt.
• Conduct detailed credit risk assessments for commercial and consumer loan applications.
• Prepare comprehensive credit analysis reports and loan recommendations for approval committees.
• Evaluate industry trends, economic conditions, and market risks that may impact borrowers.
• Monitor existing loan portfolios for changes in financial performance or credit quality.
• Ensure compliance with bank lending policies, regulatory guidelines, and underwriting standards.
• Collaborate with loan officers, relationship managers, and underwriters to structure appropriate financing solutions.
• Identify potential credit risks and recommend strategies to minimize losses.
• Maintain accurate loan documentation and financial records.
• Participate in periodic loan reviews and portfolio stress testing.

Required Qualifications

• Bachelor’s degree in finance, Accounting, Economics, Business Administration, or a related field.
• 2–5 years of experience in credit analysis, commercial banking, or financial analysis (entry-level positions may require internships or related experience).
• Strong understanding of financial statement analysis and credit risk assessment.
• Knowledge of banking regulations and lending practices.
• Proficiency in Microsoft Excel and financial analysis software.
• Excellent analytical, organizational, and problem-solving skills.
• Strong written and verbal communication skills.
• Ability to manage multiple projects while meeting deadlines.

Preferred Qualifications

• Experience with commercial lending or corporate banking.
• Credit certification (such as CFA, CRC, or CBA) is a plus.
• Familiarity with credit underwriting systems and financial modeling.

Key Skills

• Financial Statement Analysis
• Credit risk assessment
• Loan underwriting support
• Financial modeling
• Attention to detail
• Critical thinking
• Risk management
• Data analysis
• Communication and presentation
• Time management
• Regulatory compliance
• Customer Relationship Management

Typical Work Environment

Credit Analysts typically work in banks, credit unions, or other financial institutions in an office setting. The role involves close collaboration with loan officers, relationship managers, and senior credit professionals. Standard business hours are common, though additional hours may be required during periods of high-loan activity or reporting deadlines.

Career advancement opportunities include Senior Credit Analyst, Credit Manager, Commercial Relationship Manager, Portfolio Manager, Underwriting Manager, and Commercial Banking Officer .

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