Credit Specialist

About Working at Commerce 

Building a career here is more than just steps on a ladder. It’s about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn’t stop there. Our culture is about our people, the ones in our communities and the ones that work with us.

Here, you’ll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You’ll have the space and resources to grow into the best version of yourself. Because our number one investment is you.

Creating an award-winning culture doesn't come easy. And after more than 155 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let’s talk. 

Compensation Range

Hourly: $22.60 - $34.60 (Amount based on relevant experience, skills, and competencies.)

About This Job

As a Credit Specialist, you will conduct comprehensive financial analysis on companies of diverse industries and sizes. You’ll work with seasoned commercial bankers to conduct comprehensive financial analysis for commercial loan requests ranging from $250K to $50 Million by researching key underwriting criteria including loan structure, cash flow, collateral competition and industry considerations.

Essential Functions  

• Conduct comprehensive financial analysis for commercial loan requests ranging from $250K to $50 Million by researching key underwriting criteria including loan structure, cash flow, collateral competition and industry considerations

• Prepare credit packets

• Research and understand loan documentation and various bank systems 

• Submit work for feedback and analysis 

• Prepare financial spreads and other credit related items as needed 

• Perform other duties as assigned

Knowledge, Skills & Abilities Required 

• Intermediate knowledge of basic financial concepts and financial statements 

• Intermediate understanding of financial statements and key financial ratios such as leverage and debt service coverage

• Excellent analytical skills utilizing financial and accounting principles

• Ability to work overtime as needed

• Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities 

• Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills 

• Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values 

• Intermediate level proficiency with Microsoft Word, Excel and Outlook 

Education & Experience 

• Bachelor’s degree in Business, Finance or Accounting or equivalent combination of education and experience required

• 2+ years related financial services experience required

• Previous banking experience preferred

**Level of role is determined by knowledge, experience, skills, abilities, and education.

***For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles. This compensation range is for the Credit Specialist I, II & Senior job and contemplates a wide range of factors that are considered in determining most appropriate job level and making compensation decisions, including but not limited to location, skill sets, education, relevant experience and training, licensure and certifications, and other business and organizational needs. The disclosed range estimate has not been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. At Commerce, it is not typical for an individual to be hired at or near the top of the range for their role, and compensation decisions are dependent on the facts and circumstances of each situation. A reasonable estimate of the current base pay is $22.60 to $34.60 per hour.

The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits. Click here to learn more.

Location: 1000 Walnut, Kansas City, Missouri 64106

Time Type:

Full time