Credit Analyst

Company Overview

Cornerstone Bank is a locally owned community bank driven by our mission to serve businesses and the individuals who run them. We use a consultative approach to develop new ideas and build trusted relationships. We pride ourselves on upholding the tradition of personalized, quality service set forth in 2001 by the founders of the bank. At Cornerstone Bank you’ll be an integral part of a team environment.

• Competitive wage and attractive benefits package.
• Health, dental, and vision insurance (including company contribution), short‑term disability, company‑paid long‑term disability insurance, life insurance, and identity theft insurance.
• 401(k) retirement plan with company match.
• Paid time off (PTO), monthly telecommute day and/or hybrid schedule after initial training period, professional development.
• Dress for your Day dress code, Red Friday (KC Chiefs)/special event days, fitness reimbursement program, quarterly birthday events, team‑building events throughout the year, social events, work‑life employee assistance programs.
• Engaged in the bank‑wide Traction goal‑setting program, quarterly manager feedback meetings, and frequent department/peer meetings.

If you enjoy working with financials and have a passion for financial analysis, we’d love for you to apply. Strong organizational, communication, and problem‑solving skills will serve you well in this role. At Cornerstone Bank you’ll feel included and know that your work makes a difference. You’ll have autonomy in your role but will also work together as part of a collective credit team, to provide and receive support.

As Credit Analyst you will assess the creditworthiness of potential commercial loan customers, including payment terms and credit limits, and identify special credit arrangements and deviations from standard terms of payment. Completing loan applications, including credit analyses and credit memorandums, and submitting to loan committees for approval is a primary function of your role.

We seek candidates who take pride in the accuracy of their work, have a strong attention to detail, and exhibit excellent time‑management skills. Working at Cornerstone Bank is different than working at big banks. Small business owners make up a significant portion of Cornerstone Bank’s client base. You’ll gain a better understanding of the overall operation of a community bank as well as play a critical part coordinating the commercial loan credit approval process, including processing credit applications, and initiating inquiries into customer’s bank and trade references.

You will generate financial ratios to evaluate customers’ financial status, compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.

At Cornerstone Bank, we value the work of our team members and understand the significant role you play in the overall success of the Bank. Your role is critical as you monitor the credit risk associated with customer accounts, establish and maintain customer credit files/database, and review customers’ credit histories. As a credit expert, you will also assist with the establishment and implementation of credit policy, prepare reports that include the degree of risk involved in extending credit or lending money, evaluate customer records and recommend payment plans based on applicable data.

• Bachelor’s Degree (BA) from four‑year college or university preferred, or one to two years of related experience and/or training, or equivalent combination of education and experience.
• One or more years of commercial credit analyst experience at a bank preferred, but willing to train the right candidate.
• Success in this role has a strong correlation with a team member’s commitment to excellence and high standards, excellent written and verbal communication skills, strong organizational, problem‑solving, and analytical skills, and strong mathematical skills.
• Ability to understand and follow written and verbal instructions, acute attention to detail, and possess good judgement…