Credit Analyst II

Stride Bank, N.A.; Oklahoma City (OK); On-site; USD 65,000 - 90,000; Full time

Job summary

Stride Bank, N.A. is seeking a Credit Analyst II to evaluate credit risk, assemble financial backgrounds on customers, and develop credit studies for loan officers and committees.

You will review tax returns, financial statements, credit reports, rent rolls, budgets, and projections; conduct stress tests; identify risk and mitigation options; and prepare loan analyses for proposals and annual reviews.

Qualifications

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

Responsibilities

• Analyzes all customer financial information including tax returns and financial statements, credit reports, rent rolls, budgets and projections.
• Determines and performs appropriate level of stress testing.
• Identifies risk and potential mitigation strategies.
• Risk rates the loan based on transaction, property, borrower and guarantor.
• Researches markets and industries and prepares management reports.
• Prepares summary tables and writes the financial analysis section for loan proposals and makes lender recommendations.
• Performs annual status reports on existing loans and relationships.
• Performs other duties as assigned.

Education

Bachelor's degree in business-related field

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 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.

Qualifications

EDUCATION AND/OR EXPERIENCE

• Bachelor'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 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.