Commercial Credit Analyst – Community Development & Affordable Housing Lending

Commercial Credit Analyst – Community Development & Affordable Housing Lending

Location: Kansas City, MO (Headquarters) - Hybrid or Local Remote possible.

The Numbers: 75K – 110K Base Comp (flexible based on commercial credit experience, underwriting depth, portfolio complexity, and lending exposure)

The Big Picture

This opportunity sits within a well-capitalized community bank with approximately 400MM in assets and a long-standing commitment to commercial lending, community development, and relationship banking. While many institutions talk about impact as a marketing initiative, this bank has built a meaningful portion of its lending strategy around affordable housing, community development, and CRA-focused lending throughout the region.

The Mission

Support the underwriting and risk evaluation of commercial lending relationships while developing expertise in one of banking's more specialized lending arenas. This is a credit-first role focused on helping assess complex transactions, with exposure to affordable housing, community development, LIHTC, CRA, and CDFI-related lending opportunities. The goal is simple: build a stronger credit professional while helping support transactions that create meaningful impact in the communities they serve.

The Daily Grind (The Good Kind)

• Credit Analysis: Evaluate commercial lending opportunities through detailed financial analysis, cash flow assessment, and credit underwriting.
• Risk Assessment: Prepare credit presentations, spread financial statements, and identify both strengths and potential risks within a transaction.
• Portfolio Support: Partner closely with lenders, Portfolio Managers, and leadership to support both new opportunities and existing client relationships.
• Specialized Lending Exposure: Analyze commercial lending opportunities tied to affordable housing, community development, LIHTC, CRA, and CDFI initiatives while building expertise in a specialized lending segment that most analysts rarely encounter.
• Decision Support: Deliver clear, thoughtful analysis that helps balance growth objectives with sound credit discipline.

Your Toolkit

• The Battle Scars: Commercial Credit Analyst, Credit Analyst II/III, Portfolio Manager, Commercial Underwriter, Credit Officer, or similar commercial banking experience.
• Technical Mastery: Strong financial statement analysis, cash flow underwriting, and commercial credit fundamentals.
• Detail Threshold: Comfortable working through complex commercial transactions where structure and documentation matter.
• Communication Edge: Able to translate financial analysis into clear recommendations for lenders, credit teams, and leadership.

The Payoff

• Professional Autonomy: Work directly with experienced lenders and credit professionals in a highly visible role.
• Culture & Trajectory: Gain exposure to affordable housing, community development, LIHTC, CRA, and CDFI-related lending while continuing to strengthen core commercial credit skills. Prior experience in the space is welcome, but absolutely not required.
• Competitive Package: 75K – 110K base comp plus benefits, long-term growth opportunity, and exposure to transactions that can significantly broaden your credit toolkit.

Our Partnership Approach

Thank you for trusting Lupton Partners with your career transition. We take immense pride in our work, but our focus is always on the outcome—for both the candidates we represent and the companies we serve. If the first role we discuss isn't the perfect fit, we won't force it. Our goal is to land you in the right place, not just the next place. We also recognize that career changes—even the most exciting ones—come with a side of stress. That’s normal. We’re here to handle the heavy lifting and provide clarity at every step.

What to Expect

• The Introduction Call: This is a high-level chemistry check. We’ll dive into your history, map out your career goals, and get real about compensation and advancement targets.
• Active Searches: We’ll match your story to our clients' needs. We keep compensation targets front-and-center so nobody’s time is wasted.
• Client Submissions: It is our promise that we do not present your name or credentials to clients without clear communication and your explicit permission.
• Interview Feedback: This is where we earn our keep. Call us as soon as you hit the parking lot. If you think you fumbled a question or found a better answer ten minutes too late, let’s talk.
• Background Checks: Absolute transparency. We manage red flags together before they become "surprises."
• Offers: No surprises. We align on numbers early so the formal letter is a "green light" celebration.

Questions? Reach out anytime. Travis Lupton

Office: 913-521-3303 | Mobile: 913-231-8472

travis@luptonpartners.com