Job Information
INTRUST Bank Loan Review Analyst in Wichita, Kansas
Description
At INTRUST Bank, 10 character qualities are at the foundation of all we do. They include respect, positivity, compassion, humility, and initiative. They guide our interactions with customers and each other, are why we give back to communities, and inform how we shape our goals as a company. These character qualities are our tradition, and we bring them to life each day.
Your career is important to you, which makes it important to us. At INTRUST you’ll find a welcoming, encouraging atmosphere where your talents can thrive. You will be supported in your career, you can lead no matter what your title, and you can see a path for future growth. If you’d like to find a place of work where you’re appreciated, can find balance, and have a sense of belonging, then we encourage you to apply for this role.
A modern benefits approach: To support our employees and their families, INTRUST offers a comprehensive, market-competitive benefits package that prioritizes your total well-being.
Competitive pay
Generous time off
Employees receive three weeks of paid vacation plus 11 paid holidays each year.
Paid time off to volunteer in the community.
Paid employee and family sick leave.
Paid parental leave.
401(k) plan with 6% employer match and 100% immediately vested.
3% non-elective company contribution; non-elective contribution vested after 3 years of service.
Career growth and development resources
Tuition reimbursement for full-time and part-time employees enrolled in any degree program.
Banking benefits
Medical, dental, and vision insurance
Benefits eligibility is dependent upon hire date and employment status. Ask for our benefits guide for full details.
Job Summary: Provides an ongoing assessment of asset quality by completing reviews of commercial and consumer lending, portfolios. Establishes work processes for self and monitors progress to ensure completion of review schedule as set by department manager. Completes lending related special projects assigned by Executive Management. Promotes an environment of teamwork within the department and across the bank. Represents INTRUST Bank in all they do in the community and is focused on the development of new business relationships. Must maintain strict standards of confidentiality and perform duties in a manner supporting INTRUST’s Character Qualities.
Essential Functions:
• All expectations described in the job description’s essential functions are necessary to be successful in this role, performed with or without a reasonable accommodation.
• Performs the periodic review of all loan portfolios for the purpose of determining risk elements, the degree of attention required by management, identifying problem credits and portfolio concentrations, and ensures loans conform to internal policies and federal regulations.
• Makes recommendations to loan officers, credit administration and loan operations when weaknesses are identified as compared to industry best practices, bank procedures, and/or regulatory guidelines.
• Provides reports detailing findings identified and any concerns that warrant attention.
• Provides summary reports of portfolios reviewed to the Board of Directors’ Audit Committee.
• Reviews credits as part of due diligence for potential acquisitions and credits related to bank stock loans.
• Interacts with federal bank examiners during safety and soundness examinations and external auditors during annual bank financial audit.
Education and Experience: Bachelor’s degree in business related field required, preferably in finance or accounting. Minimum of three years’ experience in bank examination, loan review or financial analysis.
Required Skills and Knowledge: Working knowledge of regulatory definitions for loan classifications, regulatory appraisal guidelines, and safety and soundness guidance. Working knowledge of legal requirements related to loan documentation and securitization of collateral. Ability to analyze financial information with a thorough understanding of cash flow and global cash flow analysis. Excellent oral and written communication skills. Proficient in use of Microsoft Excel, Word and Outlook. Must be able to work independently and manage oneself and time effectively.
Required Licenses and/or Certifications: Valid driver’s license.
Physical Demands: Extended period(s) of time may be spent viewing a personal computer, sitting, standing, and walking. Occasional lifting up to 25 lbs. Must be able to hear and speak clearly both face-to-face and over the phone. The physical demands necessary for this role should be performed with or without a reasonable accommodation.
Working Conditions: Normal office conditions. Some travel required, including over-night and out of town.
This job description summary is not intended to be an employment contract, nor is it intended to state or imply these are the only activities to be performed by the employee occupying this position. Employees will be required to follow any other duties as assigned or requested by their supervisor.
INTRUST Financial Corporation and its subsidiaries, including INTRUST Bank, are Equal Opportunity Employers whose policy is not to discriminate unlawfully against any qualified employee or applicant for employment on the basis of protected military or veteran status, disability, race, color, religion, sex, age, national origin, pregnancy, genetic information, sexual orientation, gender identity, or any other classification protected by applicable local, state or federal law; except where an individual’s protected category constitutes a bona fide occupational qualification.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)
