CREDIT ANALYST II at KIRKPATRICK BANK

Oklahoma City, Oklahoma, United States -

Full Time

Start Date

Immediate

Expiry Date

19 Mar, 26

Salary

0.0

Posted On

19 Dec, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Accounting Theory, Financial Statements, Tax Returns, Verbal Communication, Written Communication, Analytical Skills, Organizational Skills, Attention to Detail, Microsoft Office Suite, Microsoft Excel, Financial Analysis, Cash Flow Projections, Credit Analysis, Risk Assessment, Loan Structuring, Training and Development

Industry

Banking

Description

Job Details Level: Experienced Job Location: BUSINESS BANKING CENTER - OKLAHOMA CITY, OK 73118 Position Type: Full Time Education Level: 4 Year Degree Travel Percentage: None Job Shift: Monday - Friday 8AM-5PM Job Category: Banking Kirkpatrick Bank hires individuals who are committed to building long lasting relationships by delivering high quality customer service to all of our customers and within our communities. In return Kirkpatrick strives to offer a competitive and comprehensive benefit package. Shift hours: Monday - Friday, 8:00am to 5:00pm Kirkpatrick Bank offers the following benefits (subject to eligibility requirement): Company subsidized health and dental insurance for employees and dependents Health and Dependent care flexible spending accounts, HSA account Company provided life insurance and long term disability Generous 401(K) Match Paid Sick and Vacation Wellness Plan Employee Banking products and services provided Position Summary: This person is responsible for underwriting, analyzing, and monitoring the financial condition and credit worthiness of individuals and businesses applying for commercial and real estate related loan requests. The position requires a strong understanding of financial statements, financial analysis, and cash flow projections. Essential Job Functions and Responsibilities: Analyzes all relevant financial data and related material to prepare summaries and present facts concerning credit worthiness of businesses and individuals. Preparing various credit related reports to include: Memorandums of Review based on interim financial information to determine covenant compliance Annual Reviews of existing relationships Credit Memorandums for approval of new credit facilities or renewal of existing credit facilities. Includes working with Loan Officers to determine credit structure and terms. Requires knowledge of Bank’s Lending Policy and identification of exceptions to Policy, and analysis of financial statements and other information to determine the degree of risk involved in extending credit, including background and industry risk and Applicant’s performance compared to similar businesses Prepare internal real estate evaluations for applicable loan requests Assists training and development of Credit Analyst I Committed to Company Mission and Core Values The above represents general responsibilities for the position. Other duties, responsibilities, and qualifications may be required and/or assigned as necessary. Qualifications Skills and Abilities: Strong knowledge of accounting theory, including knowing the differences between GAAP, cash and income-tax based accounting and their effects on cash flow analysis Excellent understanding of business and personal financial statements and tax returns Excellent verbal and written communication skills Excellent analytical and organization skills Strong attention to detail and the ability to work independently with little supervision Strong proficiency with Microsoft Office Suite (especially Microsoft Excel) and ability to learn other software related to financial spreads and monitoring of credit facilities Education and Experience: Bachelor’s degree in Business, Finance, Accounting, or related field Minimum 3 years of credit analysis experience Previous experience using Abrigo/Sageworks software is preferred Physical Requirements and Working Conditions: Prolonged periods sitting at a desk and working on a computer Must be able to lift up to 25 pounds Professional office environment Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions Kirkpatrick Bank is an Equal-Opportunity Employer who offers EEO to all persons without regard to race, color, religion, age marital or veterans status, sex, national origin, physical or mental disability or any other legally protected class.

Responsibilities

The Credit Analyst II is responsible for underwriting, analyzing, and monitoring the financial condition and credit worthiness of individuals and businesses applying for loans. This includes preparing credit-related reports and working with Loan Officers to determine credit structure and terms.