Credit Analyst

Summary: Commerce Bank is dedicated to helping people find financial safety and success while fostering a supportive culture for its employees. The Credit Analyst role involves analyzing commercial credits through comprehensive financial analysis of companies across various industries, preparing credit approval summaries, and performing financial analysis for commercial loan requests. Responsibilities: - Prepare Credit Approval Summary packets (minimal to moderate complexity) manually and through Moody’s CreditLens - Prepare financial statement spreads and other credit related items as needed (minimal to moderate complexity) - Perform basic to moderate financial analysis on companies of diverse industries and sizes for commercial loan requests working to research and learn loan structuring and cash flow - Research and understand basic to moderate level loan documentation and various bank systems - Submit work for feedback and analysis - Share beginner level knowledge with others during training and onboarding process - Exposure to and/or performance of simple pricing worksheets for loan and relationship profitability - Exposure to loan committee secretary function - Perform other duties as assigned Required Qualifications: - Basic to intermediate knowledge of financial concepts and financial statements utilizing financial and accounting principles - Basic to intermediate understanding of key financial metrics such as cashflow, leverage and debt service coverage - Basic understanding of loan structure including cashflow thresholds, collateral pools, covenants and other risk mitigating techniques - Beginner level knowledge of Moody's CreditLens - Motivated and organized with strong attention to detail and the ability to manage priorities with oversight - Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills - Ability to remain adaptable and resilient to most situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values - Intermediate level proficiency with Microsoft Word, Excel and Outlook - Bachelor's degree in a Business related field, with a preference for majors in Finance or Accounting, or equivalent combination of education and experience required - 6 credit hours of Accounting, or related coursework and 9 credit hours of Finance, or related coursework required Preferred Qualifications: - 1+ year prior credit or financial analyst experience preferred Required Skills: Financial analysis, Financial statements, Accounting principles, Cashflow analysis, Leverage analysis, Debt service coverage, Loan structuring, Loan documentation, Moody's CreditLens, Microsoft Word, Microsoft Excel, Microsoft Outlook Benefits: Employer sponsored health, dental, and vision insurance, 401(k), Life insurance, Paid vacation, Paid personal time, Career development, Education assistance, Voluntary supplemental benefits