Credit Analyst

INTERNATIONAL BANK OF COMMERCE; Oklahoma City (OK); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Medical Plan

Employer Paid Life Insurance

Flexible Spending Program

401k

Profit Sharing Program

Supplemental Benefit Programs such as:

Sick Leave

Vacation

Paid Holidays

Job summary

INTERNATIONAL BANK OF COMMERCE is seeking a Credit Analyst in the Credit Administration department to perform pre-funding audits, loan document reviews, and ongoing loan reviews to ensure accuracy and regulatory compliance.

The ideal candidate holds a 4-year business degree (Finance or Accounting preferred) and demonstrates strong analytical, organizational, and communication skills. This full-time in-office role supports lending decisions and regulatory preparedness.

Qualifications

• Excellent verbal and written communication skills.
• Good organizational skills.
• Critical and analytical thinking.
• Proficiency with Microsoft Word, Excel, and Outlook.

Responsibilities

• Perform pre-funding and post funding audits, loan document reviews and loan reviews to ensure documents are complete and correct.
• Prepare and verify reports used to support lending officers in the decision-making process, such as financial spreads, real estate evaluations, and amortization schedules.
• Perform routine system audits on loans in the bank’s system of record to validate completeness and accuracy.
• Maintain accurate Real Estate and Credit files and prepare information for third party (examiners, auditors) as needed.
• Enter loan documentation exceptions into the collateral tracking system.
• Assist lending officers in clearing exceptions.
• Attend and participate in the Credit Quality, Executive Committee and Board meeting as required.
• Ensure the loans are in compliance with bank, state, and federal regulations.
• Other duties as assigned.

Skills

Communication

Organizational skills

Critical thinking

Microsoft Word

Excel

Outlook

Education

4-year business degree (Finance or Accounting preferred)

Tools

Microsoft Word

Excel

Outlook

Job description

IBC Bank successes are the result of an aggressive and innovative attitude.

The Bank's "We Do More" philosophy reflects its dedication to the growth and success of its employees, customers and communities.

IBC bank hires talented, creative and dedicated individuals to help our business succeed.

We are a company that values leadership, community engagement and relationship building that leads to a culture of excellence.

We are currently seeking to fill positions across all business segments.

IBC's focus is to be customer centric and strive to provide excellent customer experience.

Time Type: Full time This is an in-office position.

Department: 202 Credit Administration

Job Summary

The Credit Analyst is primarily responsible for performing Pre-Funding audits, Loan Documentation Reviews and Loan reviews, as well as other routine audits to ensure the accuracy and completeness of loan documents and bank records. Ensure loans are compliance with all State and Federal regulations.

Job Description

ESSENTIAL JOB FUNCTIONS

• Perform pre-funding and post funding audits, loan document reviews and loan reviews to ensure documents are complete and correct.
• Prepare and verify reports used to support lending officers in the decision-making process, such as financial spreads, real estate evaluations, and amortization schedules.
• Perform routine system audits on loans in the bank’s system of record to validate completeness and accuracy.
• Maintain accurate Real Estate and Credit files and prepare information for third party (examiners, auditors) as needed.
• Enter loan documentation exceptions into the collateral tracking system.
• Assist lending officers in clearing exceptions.
• Attend and participate in the Credit Quality, Executive Committee and Board meeting as required.
• Ensure the loans are in compliance with bank, state, and federal regulations.
• Other duties as assigned.

SKILLS

• Excellent verbal and written communication skills
• Good organizational skills
• Critical and analytical skills
• Microsoft Word, Excel, and Outlook

EDUCATION

4-year Business degree. Preferably in Finance or Accounting.

IBC Bank was founded in 1966 to meet the needs of small businesses in Laredo, Texas. The bank's success is a result of an aggressive and innovative attitude. The Bank's "We Do More" philosophy reflects it's dedication to the growth and success of it's employees, customers and communities. Our commitment to "Do More" for the communities we serve permeates our company from top down. The success of IBC and it's 50 consecutive years of growth and profitability are due to strong leadership, customer centric business philosophy and our motto of "Doing More" in our communities.

Wait there's more! We offer a comprehensive benefits package, based on eligibility, benefits include:

Benefits

• Medical Plan
• Employer Paid Life Insurance
• Flexible Spending Program
• 401k
• Profit Sharing Program
• Supplemental Benefit Programs such as: Vision, Dental, Disability Tuition Assistance Program
• Sick Leave
• Vacation
• Paid Holidays