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Dickinson Financial Corporation Credit Analyst II - Full Time - Kansas City in Kansas City, Missouri

Equal Opportunity Employer/Disabled/Veterans

Academy Bank and Armed Forces Bank provides equal employment and affirmative action opportunities to applicants and employees without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, ancestry, veteran or military status, pregnancy, genetic information, medical condition, or disability (physical or mental).


Ability to apply skills toward effective financial analysis of borrower's financial statements, cash flow analysis, and analysis of commercial credit. The individual will be able to perform credit analysis of larger commercial credits with the expectation that progress will be made toward more complex credit analysis after fulfilling the minimum job responsibilities. Well-written credit analysis with minimal revisions made by supervisor or department head.

Principal Accountabilities:

The Credit Analyst II will be able to perform the following tasks:

  • Financial statement spreads.

  • Financial analysis of commercial loans (both real estate and commercial and industrial). Commercial credits will be more complex with potential for multiple collateral types, financial statement analysis of multiple guarantors, and industries with limited number of companies.

  • Prepare financial analysis on unique commercial property types such as special purpose or commercial businesses with limited market share.

  • Strong understanding of accounting treatments typically found in financial statements of larger commercial credits.

  • Prepare well-written financial analysis of loans for presentation to loan officers and/or loan committee.

  • Complete financial analysis reports that are completed in a quality manner and within service time line expectations.

  • Compliance with the Mutual Charter Agreement between Credit/Underwriting and Commercial/Special Assets Relationship Management as posted on the Bank's Intranet.

  • Effective communicator with lending officers, supervisors, and co-workers to provide for effective follow up on credit reviews.

  • Mentor to Credit Analyst I.

  • Other special projects or other tasks as required by supervisor/manager.

Minimum Qualifications:

The Credit Analyst II will generally have 3 to 7 years of experience with financial statement analysis, commercial loan review, accounting financial analysis, or similar work experience. The Credit Analyst II will generally possess an undergraduate degree in either the field of accounting, finance, real estate, business administration, or related field. The Credit Analyst II will generally have experience in larger size credits in excess of $1million.

Physical Requirements:

The work environment is typical of a standard office setting. The position is sedentary, exerting 0 -- 10 lbs. of force occasionally and/or a negligible amount of force frequently. It involves sitting most of the time but may also involve walking or standing for brief periods of time. Reaching may be required involving extending arms in any direction. Office equipment, such as a computer and telephone will be used requiring the use of hands and fingers to manipulate a keyboard or keypad. Visual ability to read a computer screen or written documents is necessary. Speaking ability to express or exchange ideas; impart oral information to customers or to the public; or convey detailed or important spoken instructions by means of the spoken word is required. Hearing is necessary to receive detailed information through oral communication.

Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, age, marital status, gender identity, national origin, ancestry, protected veteran or military status, disability, pregnancy, genetic information or any other characteristic protected by applicable law.

Armed Forces Bank and Academy Bank are equal employment/affirmative action employers. If you need accommodation for any part of the employment process because of a medical condition or disability, please send an e-mail to humanresources@dfckc.com or call 816-412-6081 to let us know the nature of your request.