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Commercial Payments Credit

2 months ago

Kansas City, United States Commerce Bank Full time

About Working at Commerce

Building a career here is more than just steps on a ladder. It's about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn't stop there. Our culture is about our people, the ones in our communities and the ones that work with us.

Here, you'll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You'll have the space and resources to grow into the best version of yourself. Because our number one investment is you.

Creating an award-winning culture doesn't come easy. And after more than 155 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let's talk.

Compensation Range Hourly: $25.70 - $39.40 (Amount based on relevant experience, skills, and competencies.)

About This Job

The Commercial Payments Credit & Risk Analyst will be responsible for ensuring proper credit & risk oversight for the Commercial Payment Products area of Commerce Bank. The Credit & Risk Analyst is responsible for underwriting and credit review of high dollar commercial payment products to customers largely on unsecured terms. The Commercial Payments portfolio is comprised of commercial card, merchant accounts, and other commercial payment products, including credit and non-credit based product offerings. The position will work with individual customer accounts in addition to performing basic segmented analytics on various Commercial Payments portfolio's and industries from a credit and risk standpoint. Commercial Payments Credit & Risk Analysts are a part of the overall risk management and oversight program at Commerce Bancshares, Inc.

Essential Functions Ensure compliance with established policies, procedures, laws, and regulations and adopt proven industry best practices Analyze and evaluate commercial credits and utilize credit processes and systems to assign the appropriate risk rating Underwrite requests within approval authority making independent judgmental decisions and make effective recommendations which exceed the Analyst's authority Identify existing risks and issues within credit portfolio segments Work with team members on select accounts and ensure compliance with credit policy Utilize third party resources such as D&B, Equifax, Moody's, S&P, IBISWorld, A.M. Best Company, Bloomberg, etc. to evaluate risk on accounts and portfolios Prepare and present detailed credit write-ups to management and to the Loan Committee summarizing the strengths and weaknesses of select credits and render appropriate recommendations Conduct conference calls as needed with team members of both potential and existing customers to obtain a deep understanding of complex financial data necessary to complete a thorough due-diligence Adopt the department's strategic plan and key initiatives, identify portfolio risks that should be targeted for review, develop scoping methodologies to sample portfolio segments, and improve work methodologies to make the team more efficient and productive in accordance with regulatory compliance and credit policy Adhere to established service level agreements on all credit reviews Perform other duties as assigned

Knowledge, Skills & Abilities Required Intermediate knowledge of statistical modeling and its impact on policies, procedures, governing principles, and credit tools Intermediate knowledge of merchant accounts and merchant chargeback risk Intermediate knowledge of Generally Accepted Accounting Principles (GAAP) Intermediate knowledge of corporate/legal structures and corporate governance documents and their respective relationships to effectively bind necessary borrowers Basic knowledge of commercial and retail lending documentation and regulations, including consumer credit bureau reports Basic knowledge of business intelligence, data mining, analytics, transmissions, and strategy Basic predictive credit scoring and modeling skills Basic skills interpreting commercial and consumer credit reports and data and using that information to make credit decisions and recommendations Basic skills of interpreting business financials, business tax returns, personal financial statements, and personal tax returns Basic presentation skills Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values Basic level proficiency with Microsoft Word, Excel and Outlook

Education & Experience Bachelor's degree in Accounting, Finance, Economics, or Business Management or equivalent combination of education and experience required 3+ years credit analysis experience required Credit review, underwriting, regulatory, or credit risk management experience preferred

***For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles. This compensation range is for the Commercial Payments Credit & Risk Analyst I & II job and contemplates a wide range of factors that are considered in determining most appropriate job level and making compensation decisions, including but not limited to location, skill sets, education, relevant experience and training, licensure and certifications, and other business and organizational needs. The disclosed range estimate has not been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. At Commerce, it is not typical for an individual to be hired at or near the top of the range for their role, and compensation decisions are dependent on the facts and circumstances of each situation. A reasonable estimate of the current base pay is $25.70 to $39.40 per hour. The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits. Click here to learn more.

Location: 1000 Walnut, Kansas City, Missouri 64106

Time Type: Full time #J-18808-Ljbffr