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Credit Analyst

2 months ago


Wichita, United States Equity Bank Full time
Job Title: Credit Analyst - Agricultural

Job Type: Full Time
Location: US - KS - Wichita


Jump start your career at Equity Bank We are currently hiring energetic, team oriented, and community focused individuals to join our team With a team of best-in-class customer service experts, you'll help to build and expand on client relationships, deliver the banking products and services that meet the unique and individual needs of clients, and create and uphold an atmosphere of superior experience and service. At Equity Bank we'll help you invest in your community through volunteer opportunities which align with our company initiatives and core values.

Agricultural Credit Analyst I / II

1. Responsibilities and Expectations:
  • Produce quality credit presentation /annual reviews for use by various Approval Authorities (Internal and External):
  • Use customer-provided information to produce consistent financial spreads.
  • Analyze the produced financial spreads with analysis emphasis on all financial activities of the borrower.
  • Identifies material changes and / or trends in the balance sheet and income statement.
  • Completes deal specific and global cash flow analysis.
  • Identifies and analyzes the adequacy of the collateral securing the loan(s).
  • Creates a well-written credit presentation /annual review that is reader friendly and effectively exemplifies the "true" position that Equity Bank maintains with respect to the credit facility(ies) under discussion
  • Works on large, complex Agricultural loan relationships independently.
2.General banking / credit related knowledge - Credit Analyst Agricultural will become familiar with and understand:
  1. Loan Policy, underwriting guidelines and credit procedures.
  2. Agricultural lending / underwriting- including: Custom operators, cash grain, cow / calf, feed yards, dairy, hog & poultry operations.
  3. Governmental Guarantee Programs - including: Farm Service Agency / US Small Business Administration / USDA.
  4. Crop Insurance
  5. Farmer Mac
  6. Agricultural loan types and their uses in loan structuring - crop input loans, cattle loans, operating loans, borrowing base loans. farm equipment loans, real estate loan and land loans.
  7. Loan documentation including security documents (UCCs, Agricultural Security Agreements, Real Estate Mortgages).
  8. Real estate appraisals and evaluations.
  9. Environmental Reports
3. Manage relationships with Loan Officers.
  1. Utilize written and oral communication skills to obtain all the needed information for any requests/annual reviews that are under discussion in a timely manner.
  2. In conjunction with the Loan Officer contacts customers, CPAs and advisors when needed.
  3. Confirm all credit applications/annual reviews with officers in order to present the Approval Authorities with the best, most accurate product so that they can make an educated decision on the loan(s) under discussion.


4. Customer relationships.
  • Utilize written and oral communication skills to relay and acquire information to and from customers, CPAs and advisors.
  • Develop and maintain a positive professional image for Equity Bank.
  • Create a friendly, customer service image to customers.
5. Reports and responsibilities - Manage Other Related Projects as assigned, including:
  • Financial Covenant Monitoring / Approval.
  • Borrowing Base Certificate Monitoring / Approval.
  • Prepare Weekly, Monthly, Quarterly, and Annual Reports as assigned.
6. Understand and follow the applicable laws and regulations for job responsibilities including but not limited to Equity Bank Business Ethic and Conduct policy, Bank Secrecy Act, Information security, and Suspicious Activity Reporting ("SAR") requirements.

7. Other Duties and Tasks as assigned.

INDUSTRY SKILLS/QUALIFICATIONS/REQUIREMENTS:
  • Ag CA I & CA II - Bachelor's Degree, or equivalent experience, required. Emphasis on Agricultural Business, Finance and Accounting.
  • Ag CA II - Two to five years of experience, as a credit analyst, or equivalent experience.
  • Advanced Training & Development - The Senior Credit Analyst - Agriculture will have participated in and obtained certification in credit related programs including RMA and Agricultural Banking School
  • Excellent interpersonal skills and professional manner
  • Computer skills, especially the ability to work in Windows based systems
Who we are

Equity Bank, a full-service, $5 billion community bank, is based in Wichita, Kansas, with 70 bank offices throughout Kansas, Missouri, Arkansas, and Oklahoma.

At Equity Bank, you can find exciting opportunities to challenge you, expand your skills, and reward your contributions. Our employees receive competitive compensation and benefits, while working in an atmosphere that encourages personal and professional growth. We're searching for motivated individuals who are passionate about serving others, learning new technologies, and working as part of a team.

Equity Bank offers a full range of financial solutions, including online and mobile banking, commercial loans, consumer banking, and mortgage loans, treasury management service, the best solutions for your business, and absolutely zero ATM fees, anywhere.

What's in it for you?

We believe your benefits are an important part of your overall compensation package. We work year-round to ensure that we provide our employees with the most up-to-date, competitive program. We thoroughly evaluate our benefit plans and strive to provide quality benefits that support the physical and financial well-being of our employees and their families.

Benefits Available:
  • Health, Dental & Vision Insurance
  • Group Life & Long-Term Disability Insurance
  • Flexible Spending & Health Savings Accounts
  • Group Cancer Insurance
  • 401(K) Retirement Plan w/ Company Match
  • Generous Vacation & Sick Time
  • Employee Stock Purchase Plan (ESPP)
  • Pet Insurance
  • Retail Banking Benefits

Find your future at Equity Bank

Physical Requirements

This position requires standing, walking, bending, and squatting on a regular basis. May require the ability to stoop, kneel, crouch or reach with hands and arms. Requires the ability to carry, lift, move or push up to 25 pounds on an occasional basis. Must be able to talk and listen to others.

Work Environment

This position regularly works in an office setting. Most of the job duties require the employee to be working with computers and electronic media on a regular basis.

Equity Bank is an equal opportunity employer and will not make employment decisions based on an applicant's race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.