Credit Analyst II

ThinkingAhead; Oklahoma City (OK); On-site; USD 65,000 - 90,000; Full time

Job summary

ThinkingAhead is seeking a Credit Analyst II for the OKC Metro area. The role involves analyzing complex commercial loan requests, reviewing financial statements, and delivering clear, well-reasoned recommendations used by Lending Officers and credit committees.

You will own the analysis process, interact directly with customers when needed, and contribute to loan structuring while staying compliant with regulatory requirements, supporting community bank initiatives.

Qualifications

• Experience in commercial credit analysis.
• Ability to spread and interpret financial statements.
• Proficient in cash flow analysis and debt coverage.

Responsibilities

• Analyze complex commercial loan applications and prepare credit memoranda.
• Spread and interpret financial statements to assess borrower risk.
• Evaluate cash flow to confirm liquidity and debt coverage.
• Advise Lending Officers and credit committees on loan decisions.
• Contribute to loan structuring and documentation.
• Build relationships with Lending Officers and customers as needed.
• Mentor junior Credit Analysts.
• Stay current on regulatory requirements and training.

Skills

Credit analysis

Financial statement spreads

Cash flow analysis

Written communication

Lending coordination

Job description

Credit Analyst II — OKC Metro

Join a Top-Performing Community Bank Making Its Mark in Oklahoma City

Are you a credit professional who thrives on digging into the numbers and telling the real story behind a deal? Do you want your analysis to directly shape lending decisions — not just sit in a file? If you're ready to take the next step in your credit career with a bank that's respected, growing, and deeply rooted in the communities it serves, this is your opportunity.

Our client — a well-established, locally-owned community bank with a strong presence across Oklahoma and a track record as one of the Highest-Performing Community Banks in America — is seeking an experienced Credit Analyst II for their OKC Metro market.

The Opportunity

In this role, you won't just crunch numbers — you'll be a trusted voice at the table. You'll analyze complex loan requests across a diverse customer base, dig into financial statements and cash flows, and deliver the kind of clear, well-reasoned recommendations that Lending Officers and credit committees rely on to make sound decisions. This is a role for someone who wants ownership over their work and a seat close to the action.

What You'll Do

• Analyze complex commercial loan applications and prepare in-depth written credit memoranda
• Spread and interpret financial statements to assess borrower risk and creditworthiness
• Evaluate cash flow — including global cash flow — to confirm adequate debt coverage and liquidity
• Advise Lending Officers and credit committees on new, renewal, and extension loan decisions
• Contribute to the structuring of loan agreements
• Build strong working relationships with Lending Officers, and interact directly with customers as needed
• Mentor and help train junior Credit Analysts
• Stay current on regulatory requirements and complete ongoing professional training
• Get involved in community initiatives that reflect the bank's hometown values

What You Bring

• Solid experience in commercial credit analysis, financial statement spreading, and cash flow analysis
• Strong analytical and written communication skills — you can translate complex financials into a clear recommendation
• Comfort working directly with Lending Officers, credit committees, and customers
• A collaborative mindset and the ability to mentor less experienced analysts
• A commitment to compliance, accuracy, and sound risk judgment

Why This Role

This bank isn't a faceless mega-institution — it's locally managed, community-minded, and known for treating both employees and customers like people, not numbers. You'll have visibility, room to grow toward more senior credit or lending roles, and the chance to make a real impact in the OKC market.