CREDIT ANALYST II

KIRKPATRICK BANK•Oklahoma City, OK

4d•Onsite

About The Position

Kirkpatrick Bank hires individuals who are committed to building long lasting relationships by delivering high quality customer service to all of our customers and within our communities. In return Kirkpatrick strives to offer a competitive and comprehensive benefit package. Shift hours: Monday - Friday, 8:00am to 5:00pm Position Summary: This person is responsible for underwriting, analyzing, and monitoring the financial condition and credit worthiness of individuals and businesses applying for commercial and real estate related loan requests. The position requires a strong understanding of financial statements, financial analysis, and cash flow projections.

Requirements

Strong knowledge of accounting theory, including knowing the differences between GAAP, cash and income-tax based accounting and their effects on cash flow analysis
Excellent understanding of business and personal financial statements and tax returns
Excellent verbal and written communication skills
Excellent analytical and organization skills
Strong attention to detail and the ability to work independently with little supervision
Strong proficiency with Microsoft Office Suite (especially Microsoft Excel) and ability to learn other software related to financial spreads and monitoring of credit facilities
Bachelor’s degree in Business, Finance, Accounting, or related field
Minimum 3 years of credit analysis experience

Nice To Haves

Previous experience using Abrigo/Sageworks software is preferred

Responsibilities

Analyzes all relevant financial data and related material to prepare summaries and present facts concerning credit worthiness of businesses and individuals.
Preparing various credit related reports to include:
Memorandums of Review based on interim financial information to determine covenant compliance
Annual Reviews of existing relationships
Credit Memorandums for approval of new credit facilities or renewal of existing credit facilities. Includes working with Loan Officers to determine credit structure and terms. Requires knowledge of Bank’s Lending Policy and identification of exceptions to Policy, and analysis of financial statements and other information to determine the degree of risk involved in extending credit, including background and industry risk and Applicant’s performance compared to similar businesses
Prepare internal real estate evaluations for applicable loan requests
Assists training and development of Credit Analyst I
Committed to Company Mission and Core Values
The above represents general responsibilities for the position. Other duties, responsibilities, and qualifications may be required and/or assigned as necessary.