Credit Analyst

gpac; Oklahoma City (OK); On-site; USD 65,000 - 75,000; Full time

Job summary

gpac is seeking a Credit Analyst to support the commercial lending team with financial analysis, underwriting, and portfolio management. The candidate should have about 3 years of banking or commercial credit experience and strong skills in analyzing financial statements and cash flow.

Responsibilities include loan presentations, renewals, and monitoring credit risk. The role emphasizes working with lenders to ensure sound credit decisions and compliance with bank policies, including

Qualifications

• 3+ years of banking or commercial credit experience preferred.
• Strong financial statement and cash flow analysis skills.
• Knowledge of commercial lending and credit underwriting.
• Excellent analytical, organizational, and communication skills.

Responsibilities

• Analyze financial statements, tax returns, and other borrower information.
• Prepare credit analyses, loan presentations, annual reviews, and renewals.
• Assist lenders with underwriting C&I and commercial real estate loans.
• Evaluate cash flow, debt service coverage, leverage, liquidity, and collateral.
• Monitor existing relationships and identify potential credit risks.
• Ensure credit decisions and documentation comply with bank policies.
• Partner with lenders and portfolio managers to support sound credit decisions.

Tools

Excel

Job description

Position Overview

We are seeking a Credit Analyst to support the commercial lending team with financial analysis, underwriting, and portfolio management. The ideal candidate will have approximately 3 years of banking or commercial credit experience and a strong understanding of financial statements and credit fundamentals.

Responsibilities

• Analyze financial statements, tax returns, and other borrower information.
• Prepare credit analyses, loan presentations, annual reviews, and renewals.
• Assist lenders with underwriting C&I and commercial real estate loans.
• Evaluate cash flow, debt service coverage, leverage, liquidity, and collateral.
• Monitor existing relationships and identify potential credit risks.
• Ensure credit decisions and documentation comply with bank policies.
• Partner with lenders and portfolio managers to support sound credit decisions.

Qualifications

• 3+ years of banking or commercial credit experience preferred.
• Bachelor's degree in Finance, Accounting, Business, or related field preferred.
• Strong financial statement and cash flow analysis skills.
• Knowledge of commercial lending and credit underwriting.
• Strong analytical, organizational, and communication skills.
• Proficiency with Microsoft Office, particularly Excel.