Loan Officer

BancFirst; Kingfisher (OK); On-site; USD 60,000 - 80,000; Full time

Job summary

BancFirst seeks a dedicated Credit Analyst in Kingfisher, OK responsible for managing credit relationships, negotiating loan proposals, and developing new business. The ideal candidate will have at least 5 years of underwriting experience in Commercial Loans and Consumer Loans, along with strong analytical and communication skills. Proficiency in MS Office and a Bachelor's degree are required. The role emphasizes critical thinking and the ability to handle sensitive information in a fast-paced environment. Full-time position with regular attendance crucial.

Qualifications

• Minimum of 5 years' experience underwriting Commercial Loans and Consumer Loan experience.
• Ability to analyze complex financial data and create detailed written credit memorandums.
• Working knowledge of regulatory compliance requirements.

Responsibilities

• Monitor and manage existing credit relationships.
• Negotiate loan proposals and analyze credit requests.
• Develop new business through existing and prospective customers.

Skills

Analytical skills

Communication skills

Critical thinking

Computer proficiency

Time management

Education

Bachelor’s Degree (Business major or Formal Credit training preferred)

Tools

MS Office (Word, Excel, PowerPoint, Outlook)

Job description

ESSENTIAL DUTIES AND RESPONSIBILITIES

Monitors and manages existing credit relationships which include note renewals, detailed analysis of current financial statements and collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting and curing exceptions, covenant monitoring, compiling reports necessary to monitor asset and credit quality, and compliance with BancFirst policies/procedures/regulations.

Negotiates loan proposals, analyzes and evaluates credit requests, recommends appropriate credit grade, creates and presents written loan memorandums for credit approval, and implements approval or declination action.

Develops new business through identifying and calling on existing or prospective customers, promotes and cross‑sells Bank’s services, and works with Bank operations areas to ensure that quality service is provided.

Participates in community and professional activities to enhance the Bank’s image and expand personal network of contacts for development of new business.

Assists with other job‑related duties and special projects as requested.

Regular and consistent attendance is an essential function of this position.

REQUIREMENTS

• Bachelor’s Degree required (Business major or Formal Credit training preferred)
• Minimum of 5 years’ experience underwriting Commercial Loans as well as Consumer Loan experience.
• Must have ability to analyze complex financial data and create/present accurate, articulate, and detailed written credit memorandums that comply with internal policy, procedures, and underwriting guidelines.
• Must possess a working knowledge of regulatory compliance requirements including Fair Lending, HMDA, Flood, and CRA.
• Must possess working knowledge of collateral perfection requirements.
• Must demonstrate ability to grow quality portfolio with annual performance goals.
• Must possess and exhibit excellent communication skills with the ability to prepare and deliver persuasive written reports and verbal presentations.
• Must demonstrate ability to efficiently operate a computer.
• Must demonstrate a working knowledge of MS Office products such as Word, Excel, PowerPoint, and Outlook.
• Must possess and demonstrate critical thinking and reasoning skills.
• Must demonstrate the ability to work well under stress and deadlines while managing multiple tasks.
• Demonstrate the ability to perform at a high level in a highly sensitive environment and handle sensitive information confidentially.
• Professionally interact with all staff and departments to ensure the accurate resolution of problems and errors.
• Willingness to work additional hours when crucial to production, regulatory or loan closing timelines.
• Must demonstrate good attendance and punctuality.

PREFERRED SKILLS

• Experience with Agricultural Lending preferred.

PHYSICAL REQUIREMENTS

• Constant use of computer screens
• Ability to operate a computer keyboard
• Intermittently standing, stooping, bending at the waist, walking, kneeling or crouching
• Long periods of typing and repetitive motion
• Ability to lift and/or move and carry 10 pounds

LOCATION

124 S. Main St., Kingfisher, OK 73750

HOURS

Full Time

EOE - BancFirst is an Equal Opportunity employer.