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First United Bank · 11 hours ago

Credit Analyst II

Oklahoma City, OK

Full-time

Onsite

Mid Level

3+ years exp

First United Bank is a learning organization that offers exciting opportunities for employees to grow. The Credit Analyst II position is responsible for analyzing and monitoring the financial condition and credit worthiness of individuals and businesses applying for credit, utilizing historical financial analysis and cash flow projections.

BankingFinancial ServicesInsuranceLending

Responsibilities

Analyzes all relevant loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions, and First United’s files

Prepares thorough and concise memo’s, spread sheets, reports, summaries and opinions for Loan Officers on new, renewal and existing loans within established deadlines

Effectively manages the bank’s exposure to identified risks, and recommends appropriate structure for transaction in accordance with First United’s credit policy

Oversees 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

Establishes, reviews and updates new and existing loan files for the Bank on a regular basis

Provides technical advice and assistance to Loan Officers

Performs credit inquiries

Effectively communicates with Customers, Loan Officers, and Bank Management in a clear, accurate, and concise manner

Generates solutions to problems and suggests alternative solutions when necessary

Participates in Bank-wide projects with less specific direction and management while being a large contributor in volume and quality, and meeting established deadlines

Focuses on memos for relationships ranging from $500,000 to $2,000,000

Manages a high volume of loan activity through new originations or managing the existing portfolio

Creates and maintains solid working relationship with Loan Officers and other team members

Assists training and development of Credit Analyst I

Ability to adhere to all company policies, core values and procedures

Genuine interest in learning and working in the banking profession

Dresses professionally

Complete all required compliance exams on an annual basis

Perform other duties as assigned

Qualification

Credit analysisFinancial analysisExcel proficiencyUnderwriting expertiseAccounting knowledgeDependabilityInterpersonal skillsProblem solvingWritten communicationSelf motivation

Required

Bachelor's degree in Finance, Accounting or related field

Minimum 3-5 years of credit analysis experience

Six months experience with credit systems

Possesses specific area of underwriting expertise in one or more areas of lending (e.g. CRE or C&I underwriting)

Knowledge of accounting sufficient to understand and analyze the relationships between the different financial statements, in order to produce a written analysis

Very strong financial analytical abilities, with knowledge of financial ratios

Advanced Proficiency in Excel

Ability to structure and underwrite larger, more complex transactions

Excellent interpersonal, technical, problem solving, and written communication skills needed for preparation of credit memos and analysis of financial statements

Demonstrates initiative, judgment/discernment and self motivation to work with minimal supervision

Demonstrates resourcefulness and concern for quality by understanding systems and processes and suggesting changes when necessary to increase overall efficiency

Demonstrates dependability through good attendance and adherence to time lines and schedules