Credit Analyst II

Stride Bank Na; Bixby (OK); On-site; USD 65,000 - 90,000; Full time

Job summary

Stride Bank Na in the United States is seeking a Credit Analyst II to evaluate credit risk for commercial borrowers. You will analyze financial data, assemble credit analyses, and prepare loan proposals for lenders and committees.

The role requires strong analytical skills, meticulous attention to detail, and clear communication. You will perform stress testing, monitor loan portfolios, and conduct annual reviews of existing relationships.

Qualifications

• Bachelor's degree in business-related field or 5+ years of equivalent experience.
• 2-4 years in commercial credit analysis or lending.
• Strong analytical and communication skills.

Responsibilities

• Analyze all client financial information including tax returns and financial statements.
• Determine appropriate level of stress testing and risk mitigation.
• Prepare credit studies and loan recommendations for lenders and committees.
• Perform annual status reports on existing loans and relationships.
• Assist loan officers and committees with risk assessment.

Skills

Underwriting

Financial analysis

Risk assessment

Excellent communication

Attention to detail

Education

Bachelor's degree in business or related field

Tools

Lending systems

MS Excel

Job description

The Credit Analyst II is responsible for the investigation and analysis of credit risks. The Credit Analyst II resolves moderately complex credit problems, develops and maintains financial background information on present and prospective customers, and develops credit studies for loan officers and committees.PRINCIPAL DUTIES AND RESPONSIBILITIESAnalyzes all customer financial information, including but not limited to, business tax returns and financial statements, personal tax returns and financial statements, credit reports, rent rolls, budgets, projections and any other financial information available.Determines and performs appropriate level of stress testing.Identifies risk and potential ways to mitigate it.Risk rates the loan based on transaction, property, borrower and guarantor.Researches markets and industries and prepare reports for management.Prepares summary tables and writes the financial analysis section for loan proposals and makes recommendations to lender.Performs annual status reports on existing loans and relationships.Non-Essential Functions: Performs other duties as assigned.EDUCATION AND/OR EXPERIENCEBachelor's degree in business-related field, or minimum 5 years’ equivalent work experience, required.2-4 years’ experience in commercial credit analysis and/or commercial lending, required.KNOWLEDGE, SKILLS, AND ABILITIESBasic understanding of underwriting income-producing real estate.Basic understanding in 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 required.