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First Texoma National Bank · 1 day ago

Credit Analyst

Durant, OK

Full-time

Onsite

Entry, Mid Level

First Texoma National Bank is seeking a Credit Analyst to provide analysis and monitor the financial condition and credit worthiness of individuals and businesses applying for credit. The role involves working closely with the bank’s Commercial Loan Officers, preparing credit documentation, and analyzing financial statements to support the loan underwriting process.

BankingFinanceFinancial Services

Hiring Manager

Art Stauffer

Responsibilities

Work with the bank’s lending personnel in gathering and analyzing all required information from existing Borrowers and Prospects

Prepare Credit Memorandums

Analyze credit worthiness of prospects by gathering credit and industry information

Spread and analyze financial statements, incorporating the use of credit analysis tools

Prepare credit approval documentation including underwriting, risk rating and profitability analysis

Develop financial projections to determine repayment

Help Loan Officers in monitoring loan maturities and preparing the necessary underwriting documentation for the renewal of such credits

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

Other job related assignments as assigned

Displays and maintains a positive attitude toward bank, employees, and policy and procedures

Completes all required compliance exams on a yearly basis

Qualification

Financial analysisCredit analysis toolsFinancial projectionsMicrosoft ExcelCredit MemorandumsProblem SolvingWritten CommunicationOral CommunicationAdaptability

Required

College Degree in Finance or Accounting preferred

Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics

Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information

Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings

Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events

Proficient with Microsoft Word, Excel and Outlook. Display knowledge of standard banking equipment and personal computer