Credit Analyst II

CHICKASAW COMMUNITY BANK • Oklahoma City, OK

1d • Onsite

About The Position

The Credit Analyst II advises the Commercial Loan Officers of information necessary to analyze commercial loan requests. Analyze loan applicant’s financial status, credit and property evaluation to determine feasibility of granting loans. Prepares credit memos for approval for the appropriate lending committees. Evaluates borrower’s and guarantor’s cash flow and financial positions, in addition to analyzing the value of collateral. Credit Analyst II will have at least 2 years of direct experience and should be able to read and understand tax returns, financial statements, credit reports, rent rolls, and other pertinent financial information.

Requirements

• At least 2 years of direct experience.
• Able to read and understand tax returns, financial statements, credit reports, rent rolls, and other pertinent financial information.
• Knowledge and understanding of banking rules, regulations, laws, and all policies and procedures.
• Basic word processing and computer database skills.
• Ability to learn and navigate computer systems and websites necessary to complete job description and other duties as assigned.
• Ability to work accurately with close attention to detail.
• Ability to maintain confidentiality of sensitive information.
• Ability to study and apply new information.
• Ability to learn products, services and procedures quickly and accurately; explain concepts clearly to customers.
• Excellent customer contact skills; comfortable asking questions/interviewing customers about their financial situation; strong listening skills.
• Must be self-motivated, assertive, and perform well in a team environment.
• Must be organized and maintain a positive demeanor in all situations.
• Bachelor’s degree, preferable in Finance or Accounting, or equivalent work experience.
• Must understand personal and business financial documents.
• Minimum 3 years’ experience in Commercial Credit Analysis.
• Proficiency in Microsoft Office products required.

Nice To Haves

• Preferably in Finance or Accounting

Responsibilities

• Analyze all relevant loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions, and CCB files.
• Provide ratio, trend and cash flow analysis as needed.
• Provide additional, objective analyses on collateral.
• Prepare Credit Memos for Loan Officers and Loan Committees in a timely manner.
• Provide annual review of all loan relationships in excess of $1,000,000 in addition to criticized assets.
• Prepare thorough and concise memos, spread sheets, reports, summaries and opinions for Loan Officers on new, renewal and existing loans within established deadlines.
• Effectively manages the banks’ exposure to identified risks and recommends appropriate structure for transaction in accordance with the banks credit policy.
• Oversee and manages financial information files to assure current reports, statements, accounts receivable and other information on customer accounts, and notifies Loan Officers of any potential problems in a timely manner.
• Establish reviews and updates new and existing loan files for the Bank on a regular basis.
• Provide technical advice and assistance to Loan Officers.
• Perform credit inquiries.
• Assist with monthly and quarterly reports as needed.
• Perform other duties as assigned by bank management.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level