North American Savings Bank (NASB) continues to be an industry leader in providing home mortgages not only to our customers in the Kansas City metro but across the country where we lend in all 50 states. We are a high-volume production environment and pride ourselves in providing outstanding customer service, a wealth of products and services (including CONV, FHA and VA) and fast and efficient turn times for our borrowers. We are currently accepting applications for an experienced Senior Credit Analyst in the Kansas City area that is ambitious, energetic, self-driven team player with an eagerness to learn and succeed in a dynamic and growing business.
The Senior Credit Analyst (“SCA”) will provide analytical support to Commercial Real Estate, Construction, and Single Family loans by preparing objective and comprehensive credit analysis and reviews while addressing key strengths and weaknesses of the credit relationship in order to help the Bank make safe and sound lending decisions. The SCA is responsible to identify new and recurrent risk related to the CRE/CND underwriting and loan review process in order to mitigate loss exposure and maximize profitability.
The SCA understands complex real estate loan transactions, multiple property types, varying loan structures and their impact on the security of collateral, repayment sources, and overall credit risk. The SCA also conducts and develop quantitative and qualitative analyses/assessments in support of risk management efforts that assess market and credit risk, while proactively identifies gaps and problems in existing loan administration processes.
The SCA will develop personal and business unit credibility with lending and credit personnel, external/internal auditors, loan review vendors, software vendors, regulators, compliance, and executive management. The SCA operates with a high degree of autonomy and interact well with senior management, peers, subordinates, and those within and outside of the organization to accomplish results.
Complete credit underwriting for large credits, relationships, and/or specialized loan requests;
Conduct credit risk assessments by evaluating the financial position of borrowers considering prudent lending practices through financial/cash flow analysis and applying credit principles and banking regulations.
Evaluate credit risk of the loan portfolio by reviewing all lending departments and products through new production sampling, seasoned loans, and marginal and criticized loan reviews within the portfolios.
Identify potential systemic problems in the life cycle of a credit from origination, underwriting, documentation, and problem loans, including identify changing market conditions.
Evaluate the activities of lending personnel, ensuring such activities are compliant with lending policies and the quality of their loan approval, monitoring, and risk grading assessment.
Discuss all noted deficiencies and identified weaknesses, and any existing or planned corrective actions, including time frames for correction, with appropriate loan officers and managers.
Recommend appropriate loan risk grade or adversely classify loans, especially those with well-defined credit weaknesses that jeopardize the repayment.
Research and prepare various analyses that include industry and market trends, news, and other information including economic updates, and changes to the overall portfolio in support the quarterly Loan and Lease Loss Allowance provision analysis.
Prepare high level reporting and analytics for Credit Risk Management, including analysis and actionable reports used to proactively optimize product targets and loan performance across multiple origination channels, including critical trends in the loan portfolio, risk concentrations, risk rating migration, delinquency and loss trends, collateral positions, and other related metrics.
Prepare written reports directed to lending department, Credit Administration personnel, Chief Credit Officer, Audit Committee, and Credit Risk Committee. Summarize overall review findings including risk grade changes, impairment recommendations, and recommendations aimed at improving the quality of loans.
Develop internal loan review procedures to evaluate credit administration and residual credit risk, as well as manage the scope of the loan review program.
Develop and coaches a team of analysts to ensure all activities and projects are effective, efficient, provide a risk-based focus and support the bank’s overall strategic objectives - Provide ongoing training, support, and feedback loop to credit analyst and lending personnel.
Assists the Senior Credit Officer and the CCO with the creation, submission and maintenance of periodic lending activity and portfolio condition reports; responds to requests from external/internal auditors, external loan review vendors and regulatory agencies regarding the loan portfolio.
Bachelor’s degree in Business Accounting or Finance required
Prior Sr. Credit analyst, Sr. Loan Review, and/or Credit administration experience.
Minimum of 10+ years of experience in direct credit underwriting, loan audit, or loan review required
Minimum of 5 years of experience with Construction Real Estate, Construction, and Credit Risk Management required
Experience administering credit and appraisal policy, procedures and guidelines.
Demonstrated analytical, decision making, problem solving, and critical skills.
Ideal candidate must have excellent oral and written communications skills. Ideal candidate must be comfortable communicating with all levels of individuals. Ideal candidate will be able to build effective internal/external relationships.
Ideal candidate must be able to prioritize deliverables in a fast-paced and changing work environment.
Ideal candidate will have strong business and interpersonal communication skills
Ideal candidate will have a proven track record of thoroughly comprehending 5 C’s of credit, survey review, operating agreements, title policy, lease reviews, SNDA, estoppels, easements, environmental reports, condemnations, foreclosure process, bankruptcy law.
MBA degree preferred
At North American Savings Bank ("NASB"), our primary concern is taking care of our customers. We do it by understanding their needs and goals and delivering solutions that are in their best interest. We do it by providing nationally competitive products through individualized service. We do it by sharing our NASB culture of treating everyone like family. And our clients will say this over and over again – they love NASB. Located in Kansas City, Missouri, NASB is a full-service bank offering competitive salaries and benefit packages. If you would like to apply for this position or other opportunities with NASB, please apply online on our website at https://www.nasb.com/about/explore/careers.