Credit Analyst I

First Bank & Trust Co. • Norman, OK

123d

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 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 preferred.
• Previous banking experience in loan review or lending related area is preferred.
• Proficient computer, 10 key, and typing skills.
• Strong proficiency in PC applications including Windows, MS Word, MS Excel.
• Ability to maintain a high degree of confidentiality.
• Strong verbal and written communication skills.
• Strong team building and interpersonal skills.
• 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.

Nice To Haves

• Experience in Jack Henry bank software.

Responsibilities

• Analyze financial documentation for new and renewal loans, including financial statements, tax returns, profit and loss statements, and credit bureau reports.
• 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 ensure informed credit decisions on loan proposals.
• 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.
• Meet attendance and punctuality standards.
• Effectively work and cooperate with lenders, supervisors, and co-workers.
• Follow the direction of the supervisor.
• Perform other duties and projects as required by management.

Benefits

• Equal Opportunity Employer
• Commitment to providing an environment free of harassment and discrimination.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Bachelor's degree
• Number of Employees: 51-100 employees