Credit Analyst II — Commercial Lending & Risk Analysis

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

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.