Credit Analyst II

Firstar Bank; Tulsa (OK); On-site; USD 50,000 - 70,000; Full time

Job summary

Firstar Bank located in Tulsa, OK is hiring for a Credit Analyst to analyze complex loan applications and provide recommendations regarding credit approvals. The ideal candidate should possess strong analytical skills and a Bachelor's Degree in Finance or Accounting. This full-time position demands excellent communication and the ability to work independently.

Join Firstar Bank to further our commitment to the communities we serve, while supporting banking objectives and ensuring compliance with regulatory policies.

Qualifications

• Strong knowledge and ability to read and interpret financial statements.
• High level of analytical ability to evaluate loan risk.
• Proficiency in Microsoft Office suite.

Responsibilities

• Analyze complex loan applications.
• Prepare detailed loan memorandum documents.
• Review complicated credit issues and make recommendations.

Skills

Analytical ability

Communication skills

Knowledge of financial statements

Self-motivated

Attention to detail

Proficiency in Microsoft Word, Excel, and Outlook

Education

Bachelor’s Degree in Business Administration (Finance/Accounting)

Job description

Job Details

Job Location: Tulsa, OK 74133

Position Type: Full Time

Position Purpose

Make recommendations regarding customer credit approvals based on an in-depth analysis of credit data, financial statements and due diligence of individuals or companies to determine the degree of risk involved in extending credit or lending money.

Responsibilities

• Analyze assigned complex loan applications within established guidelines across entire customer base.
• Prepare in-depth written loan memorandum documents in accordance with established policies and procedures and advise Lending Officers/Management on loan analysis.
• Spread and analyze financial statements, develop credit information and review complicated credit issues in order to interpret data and make recommendations to Lending Officers and committees who review lending decisions on new, renewal, and extension loans.
• Analyze cash flows, including global cash flow, to ensure adequate cash is available to meet any and all debt requirements as well as adequate liquidity is maintained.
• Assist in the development of loan agreements.
• Comply with regulations and policies of Firstar Bank.
• Regular interaction with Lending Officers and, as necessary, with customers.
• Assist in the training of Credit Analyst I’s as required.
• Complete required annual training and maintain knowledge relevant to the role.
• Participate in bank and community initiatives to strengthen visibility and reinforce Firstar’s commitment to the communities it serves.
• Perform additional responsibilities as assigned in support of the Bank’s priorities and objectives.

Qualifications, Skills and Abilities

• Strong knowledge and ability to read and interpret financial statements.
• High level of analytical ability, gained through experience, to evaluate loan risk involved with the application.
• Demonstrated ability to fully complete a written loan memorandum.
• Responsiveness in a time-sensitive/deadline-oriented process.
• Strong knowledge of accounting and financial principles.
• Ability to determine the need for more thorough investigation or additional information required for loan approval.
• Working knowledge of documents and legal requirements to secure and perfect collateral instruments.
• Excellent written and oral communication skills as well as the ability to read and understand policies and procedures.
• Strong sense of initiative; self-motivated; work well without close supervision.
• Ability to build professional relationships with coworkers.
• Strong computer skills; proficient in Microsoft Word, Excel and Outlook.
• Strong attention to detail while still successfully multitasking.

Experience and Education Requirements

• Bachelor’s Degree in Business Administration with emphasis in Finance/Accounting or equivalent. Minimum of 12 hours of accounting and/or finance, required.
• Minimum three (3) years banking or financial services industry experience including two (2) years of credit responsibilities either as a Loan Officer or Credit Analyst, required.

Physical Requirements

• May be required to travel to other branch locations.
• May be required to work some evenings and/or weekends as necessary.
• Prolonged periods of sitting at a desk and working on a computer, with occasional standing and walking throughout the office.
• Occasional bending, reaching or stooping as needed to retrieve files, office supplies, or materials.
• May occasionally lift and/or move items up to 25 pounds (e.g., files, office supplies, packages).
• Requires the ability to communicate effectively, including the use of visual acuity for reviewing documents and screens and auditory ability for conversations in person and by phone.

EEO Statement

Firstar Bank is proud to be an Equal Opportunity Employer: EEO/M/F/Disabled/Vets