RBPRSLLC is looking for candidates to fill the position of Sr. Credit Analyst/Risk Officer. On-Site position in Tonganoxie, KS. No visa sponsorships supported, no agencies please.

Top Reasons to work with our client:
Strong Community Focus – Dedicated to serving local businesses and individuals!
Career Growth – Opportunities for advancement and professional development!
Supportive Work Environment – Team-oriented culture with strong leadership!
Competitive Benefits – Comprehensive health, retirement, and wellness programs!
Work-Life Balance – Flexible scheduling and paid time off!
Stable & Respected – Long-standing, trusted financial institution! 

What you will be doing:

• Assist in the preparation of loan presentations, financial analysis, and annual review of Commercial Loans.
• Analyze financial statements and prepare credit packages with recommendations on proposed credit requests.
• Complete annual reviews of existing commercial credits.
• Use appropriate models including financial spreadsheets and financial spreading software to analyze and document credit decisions.
• Ensure loan requests are in compliance with Bank and regulatory policies.
• Collaborate with and support Risk Management functions including Credit Policy Management and Credit Administration.
• Supervise Credit Analyst/s and the loan underwriting function.
• Serve as Appraisal Program Manager and ensure compliance with regulatory appraisal requirements.
• Produce quality and clear credit presentations for Loan Committee.
• Provide loan management with emphasis on transparency regarding credit facilities.
• Utilize communication skills to obtain necessary information for requests and annual reviews.
• Understand all commercial loan types and their uses in loan structuring.
• Familiarity with commercial loan documentation and attachment perfection.
• Assist with bank-wide financial spreadsheet programs and analyses emphasizing global cash flow.
• Identify and report material changes in the balance sheet and income statements of borrowers.
• Complete cash flows on deal-specific projects as requested.
• Manage the Loan Review Program including internal and external loan reviews.
• Assist with market monitoring, risk management, and credit risk ratings.
• Perform annual CECL independent reviews.
• Analyze the adequacy of collateral securing loans.
• Help manage workout strategies for non-performing loans.
• Update Credit Policy changes and disseminate updates to personnel.
• Assist in contacting customers, CPAs, and advisors as needed.
• Support Commercial Real Estate, Loan Management, and Policy & Risk Management Committees.
• Prioritize, multi-task, and work with multiple Commercial Loan Officers.
• Coordinate Loan Committee activities and document committee records.

Experience you will need:

• Extensive knowledge of commercial lending principles and practices.
• Strong analytical skills with experience in financial analysis and credit risk evaluation.
• Experience in managing and supervising teams.
• Familiarity with regulatory appraisal requirements for commercial real estate.
• Proficient in financial spreading software and creating financial models.
• Ability to communicate effectively both verbally and in writing.
• Experience with various types of commercial loans, including specialized lending and SBA loans.
• Strong attention to detail and ability to identify discrepancies in financial data.
• Knowledge of risk management practices and compliance regulations.
• Ability to manage multiple priorities and work collaboratively with various teams.

Salary: $90,000 - $100,000/year