410 LOAN ADMIN - CREDIT ANALYST III

11810 W 75th St, Shawnee, KS 66214, USA Req #138 Build Your Career with a Bank That Stands for More For 100 years, Bank of Labor has been a trusted financial partner for businesses in the Kansas City region. We are uniquely positioned as the leading Labor-focused Financial Institution (FI) whose strategic initiatives have set a national course to serve the needs of Labor Unions across the entire country. Expertise in specialized financing has enabled us to provide debt capital for the construction of training centers from coast to coast. And because we enjoy a national reputation for our Trust Services and Treasury product offerings, our Labor relationships are comprehensively served. Bank of Labor is the only majority-owned and operated bank in the nation whose focus combines deep industry expertise with modern banking solutions to serve Labor organizations, businesses, and consumers. We are approaching a significant milestone in asset growth! Bank of Labor doesn’t just provide financial services—we champion the values of integrity, resilience, and community. Our team of professionals plays a vital role in maintaining strong internal controls, risk management, and regulatory compliance, ensuring that we continue to uphold our mission while driving innovation in banking. We are seeking to add top talent to our ranks with a leader driven to help shape the future of our franchise. If you’re a strategic thinker with a passion for excellence and leadership, Bank of Labor offers the opportunity to make a meaningful impact in an organization that values expertise, collaboration, and innovation. Join a team where your work matters—at a bank with a legacy of strength and a future of opportunity. 410 LOAN ADMIN - CREDIT ANALYST III JOB SUMMARY: Conducts credit reviews, risk rating of Commercial loans, and provides written risk rating to loan officers, Loan Committee, and Loan & Discount Committee. Ensures that risk ratings are applied in a manner consistent with established policies and procedures, and loan underwriting policies. KNOWLEDGE, SKILLS & ABILITIES REQUIRED: The candidate must have bachelor’s degree in business or accounting, or 2+ years of experience as a Credit Analyst or comparable experience in a position dealing with loan underwriting. Moderate knowledge of Federal and State regulations relating to loans. Good verbal and written communication skills. Strong analytical skills to properly evaluate financial statements. Moderate knowledge of ratios, derivation, and meaning of DSCR, FCCR, leverage, days turnover, liquidity measures. Moderate understanding of global cash flow. Good understanding of proforma and normalized operating results. General understanding of sensitivity analysis. Understanding of cash flow drivers and rationale for selection. Strong knowledge of Microsoft Office Excel and Word. Excel skills capable for margined collateral analysis. Excel skills capable for summary A/R aging worksheet and eligibility. Excel skills for calculating periodic loan interest expense worksheet. Excel skills capable for consolidating financial statements worksheet. Excel skills capable for business combination worksheets. Moderate ability to spread financial statements on PC software systems. Moderate knowledge of business industries as they relate to credit analysis. Ability to comprehend new concepts (through on-the-job and external training experiences) and apply to job duties. Ability to make recommendations and independent judgments on credit analysis and risk ratings. Strong work ethic and problem-solving orientation. Evaluation skills and pro-active assessment aptitude. PRIMARY RESPONSIBILITIES / EXPECTATIONS: Job Performance Behaviors: Contributing to organization success, job effectiveness, relationships, and customer satisfaction. (Weighting Percentage: 20%) Loan risk ratings on a daily basis. (Weighting Percentage: 40%) Loan reviews of commercial loans on a monthly schedule, to be performed at least annually and in some cases semi-annually. (Weighting Percentage: 40%) Specific Duties Assist in the review of commercial loans on an ongoing basis. Prepares risk rating of commercial loans and provides a written report of each loan to the respective loan officer for review by the appropriate lending authority (loan officer, in-house loan committee, and/or Loan & Discount committee). Responsible for providing supervisor with risk ratings receiving a rating below average for potential consideration for inclusion on the Bank’s Watch List. Advise loan officers of problems with loans and/or the need for additional required documentation. Recommend policy changes as necessary for credit scoring and loan policy. Special projects. SECONDARY RESPONSIBILITIES: Contact with clients and the public, conducting relationships in a manner that will enhance the overall marketing effort of the bank. Participation in community organizations/projects. Attending training courses applicable to enhance skills and abilities. ADDITIONAL RESPONSIBILITIES: Other duties as assigned or deemed necessary by Direct Report, VP-Credit Administration, SVP-Senior Credit Officer, Head/SVP Credit Administration, or President to ensure a continuous workflow of daily operations. PHYSICAL REQUIREMENTS: Standing, walking, sitting. We thank all applicants in advance for their interest in this position, however, only those selected for an interview will be contacted.

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