Overview
The Senior Credit Monitoring Analyst successfully promotes and supports the mission of CrossFirst Bank by providing extraordinary service to internal and external clients. Provides support in Credit Administration with the review and analysis of borrower/guarantor financial information.
Responsibilities
- Accurately calculate financial ratios and monitor Borrower’s covenants for compliance as outlined in loan documents.
- Effectively communicate all internal communication of the borrower’s performance and trend analysis to the appropriate parties.
- Complete Post Booking Reviews on commercial loans to ensure accuracy of loan documents as outlined in the approved credit memo and ensure internal tracking of covenants are accurately built for internal tracking purposes.
- Analyze and assess financial statements and credit history of existing and potential clients.
- Provide additional support to Credit Administration as it relates to special projects as assigned.
- Comply with all credit administration policies and procedures.
- Prepare ad hoc reports as requested.
- Provide back-up assistance to other team members at peak volume times, including but not limited to spreading financial statements, reviewing, and analyzing Borrowing Base Certificates, and completing Vendor Reviews.
- Mentor less experienced Credit Monitoring Analysts to ensure workloads are distributed appropriately while managing the portfolio of risk.
- Complete Moody’s Credit Modules, as assigned.
- Maintain the highest level of confidentiality of all information.
- Create and maintain favorable relationships throughout the Bank, as well as with all existing clients, new clients, outside regulatory agencies and other related key resources.
- Comply with all Bank policies and procedures; support and uphold the Bank’s vision, values and mission.
- Interact with internal and external clients while providing extraordinary service.
- Develop and maintain trusted, positive relationships with employees, clients and vendors.
- Represent the Bank and Credit Administration team in a highly professional manner.
- Complete job assignments in a professional, timely and efficient manner; organize and prioritize work.
- Maintain confidentiality; adhere to CrossFirst Bank policies and procedures; comply with laws, regulations and industry best practices.
- Reliable and predictable attendance; both on-site and remote.
Qualifications
- Minimum 2 years of experience with credit loan documents and credit monitoring experience in the financial services industry.
- Full understanding of loan and collateral documents, including but not limited to attorney prepared documentation.
- Full understanding of balance sheets, income statements, and cash flow statements.
- Credit monitoring experience with non-owner-occupied real estate loans is preferred but not required.
- PC experience in a Windows environment, Word, and advanced spreadsheet experience on Excel is required.
- Effective verbal, written & interpersonal communication skills.
- Intermediate understanding of credit analysis and financial statements.
- Ability to read and comprehend credit write-ups & loan documentation.
- Experience in Salesforce, FIS, and Optimist preferred but not required.
- The fully qualified candidate will possess a four-year degree, preferably in Finance, Accounting or Business or equivalent work experience.
CrossFirst Bank is proud to be an Equal Opportunity Employer.
CrossFirst Bank does not accept unsolicited resumes from search firms or agencies. Any resume submitted to any employee of CrossFirst Bank without an authorized search agreement will be considered unsolicited and the property of CrossFirst Bank.
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