Credit Analyst II

Stride Bank Na; Oklahoma City (OK); On-site; USD 55,000 - 80,000; Full time

Job summary

Stride Bank Na in Tulsa, OK is seeking a principal duties specialist responsible for analyzing customer financial information, conducting stress tests, and assessing loan risk. The role supports lending decisions by preparing financial analyses and reports for management.

The ideal candidate will have a business-related Bachelor's degree (or 5+ years of equivalent experience) and 2–4 years in commercial credit analysis or lending, with strong analytical and communication skills.

Qualifications

• Bachelor's degree in business-related field or 5+ years equivalent experience required.
• 2-4 years in commercial credit analysis or commercial lending required.

Responsibilities

• Analyze customer financial information including tax returns, financial statements, credit reports, budgets, projections and other financial information.
• Determine and perform appropriate level of stress testing.
• Identify risk and potential mitigation strategies.
• Rate the loan risk based on transaction, property, borrower and guarantor.
• Research markets and industries; prepare reports for management.
• Prepare summary tables and write the financial analysis section for loan proposals and make recommendations to lender.
• Perform annual status reports on existing loans and relationships.

Skills

Analytical skills

Attention to detail

Verbal communication

Written communication

Interpersonal skills

Trust and diplomacy

Education

Bachelor's degree in business-related field

5+ years equivalent work experience

Job description

Job DetailsJob Location: Tulsa-Yale - Tulsa, OK 74137Position Type: Full TimeEducation Level: 4 Year DegreeTravel Percentage: NegligibleJob Shift: DayJob Category: Banking

PRINCIPAL DUTIES AND RESPONSIBILITIES

• Analyzes 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 EXPERIENCE

• Bachelor's degree in business-related field, or minimum 5years’ equivalent work experience, required.
• 2-4 years’ experience in commercial credit analysis and/or commercial lending, required.

KNOWLEDGE, SKILLS, AND ABILITIES

• Basic 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.