Entry Level Risk Compliance Analyst Jobs in Kansas

At OakStar, strong relationships are at the heart of everything we do-including how we work together. Since 2005, we've grown from a single location in Springfield, Missouri, into a trusted, multi-state financial institution serving communities across Missouri, Kansas, and Colorado. As an SBA Preferred Lender and a recognized leader in small business banking, our work supports local economies and meaningful growth-giving our team members the opportunity to make real, visible impact through their roles.

Working at OakStar means joining a fast-paced, collaborative, and supportive team guided by our SERVE values-stewardship, empathy, responsiveness, vision, and empowerment. We're committed to service excellence, giving back to our communities, and fostering a workplace where team members are supported. Comprehensive benefits include health, dental, vision, life, and disability insurances, as well as 401(k), 401(k) match, paid time off, and paid holidays.

Summary

The Credit Analyst II is responsible for evaluating the creditworthiness of individuals and businesses seeking loans or credit from the bank. The role involves analyzing financial statements, preparing detailed reports, and providing recommendations to the lending team to support informed decision-making on credit applications.

Essential Duties

Analyze financial statements, credit reports, and other relevant documentation to assess the creditworthiness of individuals, businesses, and organizations.

Perform an in-depth financial analysis, including reviewing balance sheets, income statements, cash flow statements, and other financial data. Maintain and update data in the bank's credit systems to ensure accurate and timely reporting.

Prepare detailed reports outlining the applicant's financial standing, credit history, and risk factors.

Provide recommendations on credit approvals, limits, terms, and conditions based on financial analysis and risk evaluation.

Present findings and recommendations to senior credit officers or the loan committee.

Monitor existing loan portfolios to assess risk levels and ensure compliance with bank policies.

Assist in the review of loan performances and identify potential issues that may require attention or mitigation. Assist with the preparation of audits and exams.

Communicate with customers or loan officers to gather necessary financial information and clarify data discrepancies.

Collaborate with loan officers and other internal team members to ensure all relevant data is considered in the credit decision-making process.

Ensure all credit analysis and decisions comply with applicable regulations, internal policies, and best practices.

Maintain accurate and thorough documentation of credit assessments and decisions.

Stay informed about current market trends, industry developments, and changes in regulations that may impact credit risk.

Use various credit analysis tools, financial models, and banking software to evaluate loan applications and manage credit risk effectively.

Participate in various credit committees assigned by management and assume responsibility for special projects.

Secondary Duties

The Credit Analyst II performs duties specific to the position and other functions as assigned.

Responsibilities

Ensure compliance with all bank policies and procedures, as well as all applicable state and federal banking regulations.

Treat people with respect, keep commitments, inspire the trust of others, work ethically and with integrity, uphold the bank's values, and accept responsibility for one's own actions.

Demonstrate knowledge of and adherence to EEO policy, show respect and sensitivity for cultural differences, educate others on the value of diversity, promote a working environment free of harassment of any type, and value a diverse workforce.

Follow policies and procedures, complete tasks accurately and on time, support the bank's goals and values, and benefit the bank through outside activities.

Perform the position safely, without endangering the health or safety of yourself or others, and report potentially unsafe conditions to management. Comply with occupational safety and health standards and all rules, regulations, and orders issued pursuant to the OSHA Act of 1970 that are applicable to one's position at the bank.

Possess and maintain a current driver's license and a vehicle with appropriate insurance coverage. Both are required to drive while performing assigned duties and responsibilities.

Possess and maintain adequate skills in computer operation, including email, word processing, spreadsheet, and specialty software programs.

Possess and maintain adequate typing skills to meet the needs of the position.

Possess and maintain adequate math skills to meet the needs of the position. This may include the ability to count currency and coin, calculate interest, balance accounts, add, subtract, multiply, and locate routine mathematical errors.

Practice effective and efficient organizational and time management skills.

Be able to work with general supervision while performing duties.

Use effective oral, written, and interpersonal communication skills. This includes the ability to apply common sense when carrying out instructions, interpreting documents, understanding procedures, writing reports and correspondence, and speaking clearly to customers and employees.

Be able to deal with routine problems involving multiple facets and variables in standardized situations.

Supervisor Responsibility

The Credit Analyst II is not responsible for the supervision of any employee(s).

Environment, Physical & Mental Demands

The environment for this position is primarily a non-confined office-type setting in which employees are free to move about at will. This environment may include some minor annoyances, such as noise, odors, drafts, temperatures, etc.

Physical demands include writing, typing, speaking, listening, lifting (up to 25 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception, and adjusted focus), sitting, walking, standing, squatting, kneeling, and reaching.

Mental demands include analytical reasoning, reading and understanding documents or instruments, performing detailed work, following directions, problem solving, providing effective customer or employee communication, performing accurate math calculations, understanding language, engaging in effective verbal and written communication, enduring stress, conducting multiple concurrent tasks, and withstanding constant interruptions.

Physical and mental demands also include correct usage of the following equipment: telephones, cellular phones, copy and fax machines, adding machines or calculators, encoders, money counters, credit card terminals, postage machines, cash recyclers, vaults, computers, and related printers.

Work environment characteristics, physical demands, and mental demands are representative of those an employee encounters while performing the essential functions of this job and represent the knowledge, skill, and/or ability required to perform the job in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

These qualifications are general guidelines normally considered essential to the satisfactory performance of this position. The specifications listed below are representative of the knowledge, skill, and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviations from these qualifications.

Bachelor's degree in Finance, Accounting, Economics, or a related field preferred.

3-5 years of experience in credit analysis.

Strong understanding of financial statements, accounting principles, and credit risk analysis.

Strong skills in financial analysis software and the Microsoft Office Suite (Excel, Word, PowerPoint).

Strong knowledge of regulatory requirements and industry standards in credit risk management.

Strong attention to detail and the ability to analyze complex financial information.

Ability to read, analyze, and interpret general business periodicals, professional journals, and technical procedures.

Excellent multitasking, organizational, and time management skills.

Ability to use a financial calculator to generate repayment terms, remaining amortization, and percent change.

Ability to work additional or non-standard hours as needed to meet deadlines or respond to other situations requiring extended availability.

Management reserves the right to change this position description at any time according to business needs.