Credit Analyst II at STRIDE BANK NA

Oklahoma City, Oklahoma, United States -

Full Time

Start Date

Immediate

Expiry Date

16 Apr, 26

Salary

0.0

Posted On

16 Jan, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Financial Statements, Risk Assessment, Stress Testing, Market Research, Analytical Skills, Communication Skills, Attention to Detail, Underwriting, Commercial Lending, Problem Solving, Financial Analysis, Loan Proposals, Customer Relationships, Trust, Diplomacy

Industry

Banking

Description

Job Details Job Location: OKC-Broadway - Oklahoma City, OK 73103 Position Type: Full Time Education Level: 4 Year Degree Salary Range: $1.00 - $1.00 Salary Travel Percentage: Negligible Job Shift: Day Job Category: Banking 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. PRINCIPLE 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. 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.

Responsibilities

The Credit Analyst II investigates and analyzes credit risks, resolving moderately complex credit problems. They develop and maintain financial background information on customers and prepare credit studies for loan officers and committees.