Job Description

At Legacy Bank, we believe every detail matters when it comes to building trust and strengthening the communities we serve.





As a Credit Analyst I, you'll provide essential support to our lending team by analyzing financial statements, assisting with annual reviews and risk ratings, and tracking exceptions to ensure accuracy and compliance. You'll also play a vital role in appraisal and evaluation processes that help us maintain quality and trust. This entry-level position is more than a job - it's an opportunity to grow your expertise, contribute to meaningful relationships, and uphold the tradition of reliability that defines Legacy Bank.



If you're detail-oriented, eager to learn, and passionate about making a difference, we'd love to welcome you to our team. At Legacy Bank, success is shared--and your work will help businesses and communities thrive. Apply today and start building your legacy with us.





Major Duties & Responsibilities


Support the lending team by working within loan analysis software to input and review tax returns, debt schedules, personal financial statements, collateral, and appraisal data. Assist in preparing, tracking, and analyzing credit and financial information--including balance sheets, income statements, projections, credit scoring, global cash flow, and stress testing--to help determine each borrower's financial strength and repayment ability. Contribute to the preparation of clear, thorough credit presentations for use by loan officers and committees, ensuring every decision is grounded in accuracy and care. Monitor overall compliance with Bank's Appraisal Policy, prepare internal evaluations for loans that meet the requirements, manage the ordering and receipt of appraisals, perform appraisal reviews, addendums, and endorsements, and re-evaluate commercial appraisals at the time of subsequent renewal. Assist in preparing various reports for monthly and quarterly Board presentations. Help assist in providing regulators and auditors with timely, accurate information to demonstrate the Bank's compliance with loan review policies, procedures, and reserve adequacy methods. Your attention to detail in reporting helps ensure transparency and reliability at every level. Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, the Office of Foreign Assets Control and security policies and procedures. All employees are expected to actively promote Legacy Bank to existing and prospective customers in order to obtain and build the Bank's customer base and thereby enhance Legacy Bank's growth and profitability. A college degree in Accounting, Finance or a related field. 0-2 years of experience in credit, banking, or a related financial field; recent graduates with relevant coursework or internships are encouraged to apply. Ability to manage multiple priorities and meet deadlines in a fast-paced environment. Strong attention to detail for reviewing financial documents and ensuring compliance. Clear and professional communication skills (written and verbal).




Preferred Technical Skills (Not required, but will set you apart)


Financial analysis and risk assessment experience Proficiency in Microsoft Excel and financial modeling Understanding of lending principles and regulatory compliance standards Familiarity with appraisal processes and title documentation




Key Attributes for Success

Relationship-Oriented:

Builds trust and positive connections with customers and team members.

Dependable & Accurate:

Delivers work with precision and consistency under deadlines.

Organized & Efficient:

Prioritizes tasks effectively and maintains clear documentation.

Adaptable Problem-Solver:

Responds calmly to challenges and adjusts to changing priorities.

Clear Communicator:

Provides information in a professional, customer-focused manner.

Team Player:

Collaborates openly and supports colleagues to achieve shared goals.

Who We Are

Since our founding in Colwich, Kansas nearly 140 years ago, Legacy Bank has established itself as a strong community partner and a preferred place of employment. Now in our fifth generation of leadership, our focus remains on our people and delivering relationships, service, and solutions to our area communities.

Our Benefits

At Legacy Bank, our employees exemplify sound work ethics, dedication, and a desire to improve lives. We consider our team members our most valuable asset and prioritize their well-being. We recognize their contributions and support them with comprehensive benefits, fostering both their personal happiness and long-term success.





Our Benefits include: health insurance (Legacy pays a portion of the employee's premium), 401(k) with employer matching, accrued vacation and sick leave, paid personal day, health & dependent care flexible spending account, and more.





ADA Requirements

Physical Requirements

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Mental and/or Emotional Requirements

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Equal Opportunities

Legacy Bank is an Equal Opportunity Employer and does not discriminate against employees or applicants based on race, color, religion, sex/gender, national origin, disability, age, or any other category protected by law.