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Credit Specialist
Credit SpecialistCommerce Bank • Kansas City, MO, US
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Credit Specialist

Credit Specialist

Commerce Bank • Kansas City, MO, US
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  • serp_jobs.job_card.full_time
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Job Title : Credit Specialist

The main purpose of this job is to analyze commercial credits by conducting comprehensive financial analysis on companies of diverse industries and sizes. You'll work with seasoned Commercial Bankers and Portfolio Managers to prepare Credit Approval Summary packets for loan committees for all assigned markets requiring a high degree of accuracy. These packets are utilized by senior management for annual review of credit relationships, reaffirming loans due for renewal, and for approving new loans. In addition, the Credit Specialist will be responsible for financial statement spreading and other projects as assigned.

Preparation of Credit Approval Summary packets requires an understanding of financial statements and key financial metrics such as cashflow and leverage. Daily work includes research of loan documentation and an understanding of the various bank systems.

Credit Specialists works directly with Relationship Managers and Portfolio Managers in the Commercial line of business, including Commercial Banking, Business Banking, and Private Banking. The position provides an opportunity to learn credit analysis and an introduction to Commercial Banking.

Essential Functions

  • Prepare Credit Approval Summary packets (minimal to moderate complexity)
  • Prepare financial statement spreads and other credit related items as needed
  • Perform basic financial analysis on companies of diverse industries and sizes for commercial loan requests working to research and learn loan structuring and cash flow
  • Research and understand basic level loan documentation and various bank systems
  • Submit work for feedback and analysis
  • Perform other duties as assigned

Knowledge, Skills & Abilities Required

  • Basic knowledge of financial concepts and financial statements utilizing financial and accounting principals
  • Basic understanding of key financial metrics such as cashflow, leverage and debt service coverage
  • Motivated and organized with strong attention to detail and the ability to manage priorities with oversight
  • Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
  • Ability to remain adaptable and resilient to most situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
  • Intermediate level proficiency with Microsoft Word, Excel and Outlook

    • Education & Experience

  • Bachelor's degree in a Business related field, with a preference for majors in Finance or Accounting, or equivalent combination of education and experience required
  • 6 credit hours of Accounting, or related coursework and 9 credit hours of Finance, or related coursework required

    • Location : 1000 Walnut St, Kansas City, Missouri 64106

    Time Type : Full time

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    Credit Specialist • Kansas City, MO, US

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