Credit Analyst II

STRIDE BANK NA • Tulsa, OK

2d • Onsite

About The Position

The Credit Analyst II investigates and analyzes credit risks, resolves moderately complex credit problems, and develops and maintains financial background information on current and prospective customers. The role prepares credit studies for loan officers and committees.

The analyst reviews customer financial information, including business and personal tax returns and financial statements, credit reports, rent rolls, budgets, projections, and other available financial information. The position also evaluates risk, performs stress testing, researches markets and industries, and prepares analyses and recommendations for loan proposals. Other duties may be assigned.

Requirements

• Bachelor's degree in a business-related field or a minimum of 5 years of equivalent work experience.
• 2–4 years of experience in commercial credit analysis and/or commercial lending.
• Basic understanding of underwriting income-producing real estate.
• Basic understanding of C&I underwriting.
• Good working knowledge of lending processes and subject matter.
• Ability to handle complex issues and problems.
• Excellent analytical skills and attention to detail.
• Excellent verbal, written, and interpersonal communication skills.
• A significant level of trust and diplomacy is required.

Responsibilities

• Analyze customer financial information, including business and personal tax returns and financial statements, credit reports, rent rolls, budgets, projections, and other available information.
• Determine and perform the appropriate level of stress testing.
• Identify risks and potential ways to mitigate them.
• Risk-rate loans based on the transaction, property, borrower, and guarantor.
• Research markets and industries and prepare reports for management.
• Prepare summary tables and write the financial analysis section for loan proposals, making recommendations to the lender.
• Perform annual status reports on existing loans and relationships.
• Perform other duties as assigned.

What This Job Offers

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