Business Banking Senior Credit Analyst
Sunflower Bank Mortgage Lending · Dallas, TX
- On site
- Full-time
- $95,000 / year
- Dallas, TX
Job highlights
- Lead credit analysis for business banking clients.
- Manage loan portfolio and complex credit functions.
- Analyze financial data and assess risk.
- Train and guide junior credit analysts.
- Utilize banking systems and software proficiently.
About the role
Senior Credit Analyst, Business Banking
At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more about Sunflower Bank at sunflowerbank.com.
Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position of a full-time Business Banking Senior Credit Analyst.
Job Summary
The Senior Credit Analyst position will be in a leading role in supporting the Business Banking team with centralized underwriting needs, assist with line of business portfolio management and other complex credit functions.
Responsibilities
- Producing complex credit analysis assignments for the line of business including new extensions of credit, renewals of credit, annual reviews, modifications and other assignments. In addition taking a leading role in the underwriting goals to provide guidance and training to other analysts on the team.
- Understanding the bank’s metrics and conditions for tracking its client’s operating/financial performance after loan origination including covenant monitoring and borrowing base compliance.
- Firm understanding of bank’s loan policy/program for extending credit to its clients.
- Provide front end support of loan request packages to ensure all pertinent financial information is in the credit file.
- Strong understanding of loan documentation and capable of producing summaries of important loan conditions and collateral structures.
- Become efficient in the use of all system and procedures used by the business banking in its daily functioning including spreading software, credit approval software and formats for all formal credit recommendations of various types.
- Responsibilities may require an adjusted work schedule, overtime, and evening/weekend hours in order to meet deadlines.
Education / Experience Preferred
- Bachelor’s Degree in Accounting, Finance or other applicable undergraduate or graduate degree, preferred. In lieu of a degree, applicant must have completed a formal credit training program or certification.
- Minimum of three (3) years in commercial credit analysis function.
- Analyzing complex credit data and financial statements to determine the degree of risk involved in extending credit.
- Must possess proven ability to think critically and communicate results concisely and clearly, both verbally and in writing.
- Must possess solid business communication skills including ability to write in a professional business manner utilizing correct grammar and sentence structure.
- Must possess ability to prioritize and complete tasks or projects on time.
- Must have the ability to remain educated and informed on industry trends, market conditions and regulatory requirements and actively work to continuously develop professionally.
- Must possess strong customer service skills.
- Must possess good organizational skills, a high level of accuracy and strong attention to detail.
- Ability to handle sensitive information with complete confidentiality and professionalism.
- Must possess knowledge of, and the ability to use current technology proficiently, including a personal computer, keyboard and mouse, Microsoft Office (Outlook, Word and Excel) and other technology based tools.
- Must possess aptitude for learning new systems and applications quickly, specifically Salesforce.com and nCino Bank Operating System.
- Travel may be required, as needed.
Pay & Working Conditions
Pay is dependent on knowledge, skills, abilities, experience, and location. The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus.
Sunflower Bank Benefits
People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team. Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are: Rooted in Strength, Propelled by Growth, Individuals in a Great Whole, Creating Possibility, Community Focused. Associates Enjoy Outstanding Benefits, Including: 401(k) Plan with 6% Match, Health/Dental/Vision Insurance, Company-paid Life Insurance, Tuition Reimbursement, Fitness Reimbursement, Paid Time Off, Volunteer Leave, Paid Holidays, Plus many more associate perks & incentives!
If you qualify, apply online at www.sunflowerbank.com/careers.
You’ve never worked anyplace like Sunflower Bank!
EOE/AA: Minorities/Females/Disabled/Vets
Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.
Open until filled; early application encouraged. This vacancy announcement may be used to fill similar positions within 90 days.
If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location specific notices is available on our privacy policy.
Key skills/competency
- Credit Analysis
- Financial Statement Analysis
- Underwriting
- Portfolio Management
- Loan Policy
- Credit Risk
- Business Communication
- Financial Software
- Salesforce
- nCino
Skills & topics
- Credit Analyst
- Business Banking
- Senior Credit Analyst
- Financial Analysis
- Underwriting
- Loan Portfolio Management
- Commercial Credit
- Risk Assessment
- Finance
- Banking
How to get hired
- Tailor your resume: Highlight your 3+ years of commercial credit analysis experience, financial statement analysis skills, and proficiency with banking software like Salesforce and nCino.
- Craft a strong cover letter: Emphasize your ability to think critically, communicate clearly, and understand loan policies to support the Business Banking team.
- Prepare for interviews: Be ready to discuss complex credit scenarios, risk assessment, and your experience with underwriting and portfolio management.
- Showcase technical skills: Demonstrate your proficiency in Microsoft Office Suite and your aptitude for learning new financial systems quickly.
- Research Sunflower Bank: Understand their commitment to community, focus on 'Creating Possibility', and their company values.
Technical preparation
Behavioral questions
Frequently asked questions
- What is the primary responsibility of the Senior Credit Analyst at Sunflower Bank?
- The Senior Credit Analyst at Sunflower Bank is primarily responsible for leading credit analysis assignments for the Business Banking team, including new credit extensions, renewals, annual reviews, and modifications. They also play a key role in portfolio management and training other analysts.
- What educational background or experience is preferred for the Senior Credit Analyst role at Sunflower Bank?
- A Bachelor's Degree in Accounting, Finance, or a related field is preferred. Alternatively, applicants may have completed a formal credit training program or certification. A minimum of three years in commercial credit analysis is required.
- What technical skills are essential for this Senior Credit Analyst position?
- Essential technical skills include proficiency in Microsoft Office (Outlook, Word, Excel), experience with spreading software, credit approval software, and a strong aptitude for learning new systems like Salesforce.com and nCino Bank Operating System.
- How does Sunflower Bank support its employees' professional development?
- Sunflower Bank supports professional development through opportunities for growth within a supportive culture, tuition reimbursement, and encouraging associates to stay informed on industry trends and regulatory requirements.
- What benefits does Sunflower Bank offer to its full-time associates?
- Full-time associates at Sunflower Bank enjoy a comprehensive benefits package, including a 401(k) plan with a 6% match, health/dental/vision insurance, company-paid life insurance, tuition reimbursement, fitness reimbursement, paid time off, volunteer leave, and paid holidays.
- Is travel required for the Senior Credit Analyst position at Sunflower Bank?
- Travel may be required for the Senior Credit Analyst position as needed, though the primary work involves centralized underwriting and portfolio management.
- How is pay determined for the Senior Credit Analyst role at Sunflower Bank?
- Pay for the Senior Credit Analyst role is dependent on an individual's knowledge, skills, abilities, experience, and location.
- What does 'Creating Possibility' mean at Sunflower Bank?
- 'Creating Possibility' is Sunflower Bank's mission, signifying their commitment to helping clients and associates achieve their financial objectives and grow, both personally and professionally.