Credit Analyst I

First Bank & Trust Co.•Norman, OK

5d•Onsite

About The Position

This position is responsible for providing credit analysis for the bank. This position will analyze financial documentation and related information to ensure informed credit decisions. Support the Credit Analyst Supervisor and the Loan Review Officer in administrative processes to assist in the identification of inherent risk in the bank’s loan portfolio.

Requirements

Bachelor’s Degree in Accounting, Finance, Business, Economics or related field is required.
1-2 years’ relevant experience preferred.
Previous banking experience in credit analysis, loan review, or lending related area is preferred.
Proficient computer, 10 key, and typing skills.

Nice To Haves

Strong proficiency in PC applications including Windows, MS Word, MS Excel. Experience in Jack Henry bank software a plus
Ability to maintain a high degree of confidentiality
Strong verbal and written communication skills
Strong team building and interpersonal skills: able to work well with a wide range of people
Strong organizational and time management skills
Demonstrate dependability through good attendance and adherence to timelines and schedules
Strong follow through on projects and deliverables
Strong analytical skills
Strong problem-solving skills
Demonstrate resourcefulness and ability to take initiative in development and completion of projects
Strong sense of customer service

Responsibilities

Analyze financial documentation for new and renewed loans, including financial statements, tax returns, profit and loss statements, and credit bureau reports.
Will generally focus on smaller, less complex credits
Provide ratio, trend and cash flow analysis as needed. Prepare borrower analysis reports for Loan Officers and Loan Committees in a timely manner.
Work closely with Credit Analyst Supervisor and Lenders to insure informed credit decisions on loan proposals.
Work closely with Credit Analyst Supervisor, Loan Review Officer, and Loan Administration to ensure banking regulations, loan policies, and adequate underwriting standards are being followed on credits analyzed.
Recognize the characteristics of a problem loan and report to Loan Review Officer.
Assist Credit Analyst Supervisor and Loan Review Officer with monthly and quarterly reports as needed.
Must be able to meet attendance and punctuality standards.
Effectively work and cooperate with lenders, supervisors, and co-workers.
Other duties as assigned.