credit analyst

BancFirst Corporation

<div></div><div>Credit Analyst
Madill, OK 
<div></div><div><div>LOCATION
Onsite Position 
302 South 1st St
Madill, OK 73446 
HOURS 
Full Time<div></div> 
SUMMARY 
Provide support to commercial banking staff in the on-going credit evaluation of existing and prospective customers. The Credit Analyst analyzes the financial health of commercial borrowers and is responsible for gathering and reviewing credit information making recommendations for credit lines based on required criteria. The Credit Analyst interacts with a variety of professionals and represents the bank in interactions with clients and other professionals. 
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money 
Generate financial ratios to evaluate a customer&rsquo;s financial status 
Preparing industry research 
Preparing financial analysis memorandums 
Preparing loan memorandums 
Attending loan committee meeting 
Attending weekly sales meetings 
Research, identification and development of prospects 
Making customer and prospect calls 
Developing information requests for credit and/or deposit and treasury service opportunities 
Preparing term sheets for credit requests 
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. 
REQUIREMENTS 
Bachelor&rsquo;s degree in Business, Marketing, Finance, Accounting, Agribusiness, or Agricultural Economics 
Excellent customer service skills 
Strong communication skills, both verbal and written 
Excellent interpersonal skills 
Demonstrates an understanding of credit management, credit operations and commercial lending 
Ability to perform in a highly sensitive environment and maintain confidentiality 
High level of attention to detail, with strong problem solving and organization skills 
Ability to perform effectively in a fast-paced environment 
Working knowledge of Microsoft Office, especially Word, Excel 
Complete all required compliance training by established deadlines 
PHYSICAL REQUIREMENTS 
Constant use of computer screens and reading of reports 
Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner and facsimile 
Regularly required to sit, use hand to finger, handle or feel, reach with hands and arms, and talk, see or hear 
Intermittently standing, stooping, bending at the waist, walking, kneeling or crouching to file materials 
Regularly lift and/or move and carry up to 5 pounds<div> 
Hometown service, statewide strength. BancFirst is committed to investing in the future of Oklahoma communities. BancFirst is a $15 billion bank offering personal and commercial products, trust, insurance, and investment services in sixty Oklahoma communities. Employees enjoy excellent benefits and a learning environment that allows them to continuously improve their skills to deliver highly personalized service to customers. 
 EOE - BancFirst is an Equal Opportunity employer.</div><div></div><div> 
Diversity&hellip;Our differences enhance business performance.</div></div></div></div>

Credit Analyst

BankStar Financial

<div>Grade: Full-Time; Exempt

Workdays/Hrs: Monday &ndash; Friday (8am - 5pm)

Occasional Saturday Rotation 


BankStar Financial is a locally owned bank, with a team of dedicated and talented individuals that work together to provide top-notch service to our customers. Our work matters to the people and places we care for most. We take pride in lifting up and brightening peoples&rsquo; lives through good work, strong partnerships, and community involvement. We are looking for team members that are willing to demonstrate leadership by embodying the core values of the bank that include: accountability, flexibility, integrity, positivity, and teamwork. 


Role &amp; Responsibilities:

Credit Analyst
<ul>
<li>Responsible for analyzing and researching customer financial data to determine the degree of risk involved in providing a loan through this data. Assess the likelihood of a borrower honoring their financial obligations on behalf of the bank based on ratios, trends, and cash flow analysis and create future projections.</li>
<li>Build credit presentations (CAPs) for lenders. Verify numbers are spread correctly, review loan outputs and verify information, build loan, create narrative, input collateral, and update various account balances.
</li><li>Conduct financial analysis including spreading of financial documentation, ratio analysis and cash flow. Work closely with customer balance sheets, profit and loss statements, and other financial reports.
</li><li>Review and analyze the financial position of loan guarantors.</li>
<li>Manage the flow of financial statements, tax returns, etc. Follow-up with clients relating to financial information as needed.
</li><li>Create collateral evaluations, perform site inspections and audits as requested by lenders.</li>
<li>Provide credit information and support to customers as requested.</li>
<li>Adhere to all company credit policies and guidelines established by the bank.</li></ul> 


Skills Required:
<ul><li>Data Analytical: Ability to analyze and work with complex financial statements.</li>
<li>Detail Oriented: High attention to detail and accuracy.</li>
<li>Communication: Effective verbal and written communication skills.</li>
<li>Building Relationships: Work dynamically across all departments and foster effective working relationships with staff, customers, and vendors.</li>
<li>Knowledge: Extensive knowledge of the banking industry, including banking laws and regulations, finance, and accounting principles.</li>
<li>Customer Centric: Customer service-oriented with exceptional sales skills.</li>
<li>Teamwork: Excel in a collaborative, team-oriented environment. Assist in incorporating new ideas, processes, and procedures into the workspace. Ability to work within a small team or an external party.</li>
<li>Planning &amp; Organizing: Solid problem solving and decision-making skills while completing tasks with a high degree of accuracy. Prioritize work and pivot on tasks from multiple sources through self-direction and minimal supervision.</li>
<li>Managing Change: Incorporate new ideas, processes, and procedures into the bank and radiate positivity.</li>
<li>Responsibility: Willingness to assume responsibility, be accountable, and make independent decisions.</li>
<li>Problem Solving/Critical Thinking: Identify problems and determine accuracy and relevance of information. Use sound judgment to generate and evaluate alternatives, providing recommendations.</li>
<li>Accountability: Willingness to assume accountability and make decisions.</li>
<li>Technology: Attend training to ensure competent use of IT resources. Comply with appropriate bank Policies, IT Policies and Procedures, and Information Security Program. Give feedback on IT issues and experiences.</li>
<li>Physical Demands: Intermittently remain in a stationary position for extended periods of time, and occasionally move objects weighing up to 25 pounds.</li>
<li>Equipment: Working knowledge of standard office equipment.</li></ul> 


Qualifications:
<ul>
<li>Bachelor&rsquo;s degree in Accounting, Finance, Business, Economics or other business-related field strongly desired.</li>
<li>Two or more years of banking experience preferred with commercial and agriculture banking administration experience strongly preferred.</li></ul> 


Must pass pre-employment screening. For more information contact: BankStar Financial, Attn: Laura Schwarz, PO Box 146, Brookings, SD 57006, Email: careers@ebankstar.bank Phone: 605.692.3636.
BankStar is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law. We are unable to accommodate candidates in need of work sponsorship at this time.

Equal Opportunity Employer | Member FDIC</div>

Stockman Bank

<div>Position General Responsibilities:
This position assists the Commercial Lender by spreading customer financial statements and analyzing them, identifying customer strengths/weaknesses. In addition they prepare financial forecasts with the assistance of bankers to assist in the assessment of the borrower&rsquo;s capacity. Finally they are responsible for providing support to the banker to assist them in soliciting, developing and maintaining profitable account relationships to increase Stockman Bank&rsquo;s market share in this business. 
Employees Supervised:
None 
Education, Experience and Certification Requirements
Note: Only minimum responsibilities are listed. Other responsibilities may be required as requested by management. 
Minimum Qualifications<ul><li>
4-year college level course of study in Business Administration and/or financial institution or related field experience or equivalent training and/or experience.</li><li>
Excellent customer service skills.</li><li>
Strong communication and organizational skills.</li><li>
Must be able to work independently and to prioritize multiple tasks.</li></ul>
Specific Skills Preferred<ul><li>
Attention to Detail- ability to notice and correct errors, document and follow up on important details and provide a high-quality -end-product.</li><li>
Knowledge of financial statement and cash flow analysis, &amp; basic working knowledge of GAAP.</li><li>
Familiarity with legal contracts and the Uniform Commercial Code as related to lending and collateral perfection.</li><li>
Professionalism &ndash; maintaining a professional attitude, image, and work ethic.</li><li>
Understanding of and ability to work with lending software with proper training.</li><li>
Team Playing &ndash; willingly collaborating and cooperating with others, developing effective working relationships</li><li>
Ability to remain focused and on task and efficiently work unsupervised meeting all deadlines.</li><li>
Written and verbal communication skills &ndash; ability to concisely and clearly present critical details.</li></ul> 
Position Specific Responsibilities, Duties and Competencies 
Analyze and Process<ul><li>
Assist Lenders in analyzing existing and new customer credit requests.</li><li>
Work with Lenders and Loan Processor to coordinate the request/receipt of business and personal financial statements.</li><li>
Coordinate timely spreading of financial statements with Credit Analysis.</li><li>
Analyze statements, identifying customer strengths/weaknesses and questions/concerns to be raised to the client.</li><li>
Prepare financial forecasts/pro-forma statements in consultation with Lenders to assist in assessment of borrower capacity.</li><li>
Prepare financial analysis documentation (i.e. Routine Administration Checklist, Loan Documentation Checklist, Spreads, etc.) in consultation with the Lenders/manager, as appropriate, for review and approval by Lenders.</li><li>
Review file documentation for completeness and correctness, in accordance with Front End Guidance, Credit Policy, and Credit Process Procedures.</li><li>
Manage annual credit review and file comments.</li><li>
Working delinquent loan accounts by calling customers and follow-up with tickler list</li><li>
Monitor existing credits for collateral review, interim statement review, loan covenant compliance, etc.</li></ul> 
 Sales/Public Relations<ul><li>
Participate in joint customer calls and/or inspections with Lenders to identify additional sales opportunities for existing and potential customers.</li><li>
Assist manager in the monitoring of overall credit quality through appropriate presentations at weekly/monthly meetings to identify loan delinquencies, reviews past due (60 days +), technical exception (30 days +), watch list and early warning credits.</li><li>
Involvement in customer interview process when necessary.</li><li>
Promote the improvement of Stockman Bank through quality customer service, promotion of products professionalism in conduct and diligent work ethic.</li></ul> 
For full description, which includes physical mental demands please see attachment.</div>

CREDIT ANALYST

Chemung Canal Trust Company

<div><div>Build your future with us.</div> 
At the heart of our success is a team of passionate, skilled, and dedicated individuals. We&rsquo;re on the lookout for people who thrive on delivering exceptional customer service and building lasting client relationships. Our culture is built to attract top talent, celebrate performance, and fuel professional growth.
As a proud community bank, we believe in giving back to the neighborhoods we serve. Supporting local events and organizations across our 14-county footprint isn&rsquo;t just something we do, it&rsquo;s who we are. It&rsquo;s our way of saying thank you to the people who make this region an incredible place to live, work, and grow.
Interested in making a difference while building a rewarding career?
We invite you to review the job description below and apply today. We look forward to learning more about you.
Together, we build something amazing&mdash;and we support you with benefits such as:<ul><li>
Profit Sharing/401K Plan</li><li>
Health, Dental &amp; Vision Insurance</li><li>
Tuition Reimbursement</li><li>
Paid time off</li><li>
Employee Assistance Program</li></ul>
&hellip;and more!
Job Title: Credit Analyst II
Here&rsquo;s how you&rsquo;ll make an impact<div></div><div><div>
Evaluates the financial condition of individuals and businesses applying for credit with the financial institution.<ul><li>
Analyzes data on new, renewal and existing mid-sized C&amp;I and CRE loans, including data provided by financial statements, credit bureaus, other financial institutions, interviews, and financial institution files.</li><li>
Prepares spreadsheets, reports, summaries, and written analysis for financial institution officers on new, renewal and existing commercial, industrial, and real estate loans regarding short and long-run prospects including risk identification and recommendations for approval/enhancement of loan proposal; may make recommendations of loan grade for loan review.</li><li>
Prepares and reviews financial information files to generate current credit reports, statements, accounts receivable and other information on customer accounts; provides thorough documentation of all financial analysis work, including ratios and other related information; Ensures that all credit analysis activities are conducted in accordance with prescribed lending policy.</li><li>
Supports commercial lenders in loan request discussions and attending client calls/participant bank meeting.</li><li>
Assists in the training of Credit Analysts I in both Commercial and Business Banking underwriting/analysis.</li><li>
Reviews all Business Banking credit analysis performed by Credit Analyst I for accuracy and completeness before final review by Deputy Credit Officer</li><li>
Provides secondary support for the SBA initiative by facilitating the process through E-Tran</li><li>
Prepares reports to management and loan committees; Reviews monthly and quarterly reports, as needed.</li><li>
Establishes, reviews and updates new and existing loan files for the financial institution on a regular basis.</li><li>
Conforms to General Performance Expectations as identified for all employees.</li></ul>
Qualifications/Requirements:<ul><li>
Bachelor&rsquo;s degree in finance, accounting, or business-related field.</li><li>
Strong financial analytical abilities and writing skills; specialized financial analysis and collateral documentation training</li><li>
Three (3) to five (5) years&rsquo; experience in related positions normally required</li><li>
Demonstrated proficiency in Microsoft Word, Excel and PowerPoint; Knowledge of Sageworks system preferred</li><li>
Ability to work in a fast- paced environment while maintaining a high degree of accuracy.</li><li>
Ability to travel to client locations; Valid Driver&rsquo;s License required</li></ul>
Salary Range $26 to $42.80 Hourly
Compensation offers are based on a wide range of factors including relevant skills, training, experience, education and, where applicable, licenses or certifications obtained. Market and organizational factors are also considered. Along with a competitive compensation program please visit the benefits section of our Careers page to view available benefits.
Chemung Canal Trust Company/Capital Bank/Canal Bank fosters a diverse and inclusive culture where employees are able to succeed to their full potential. EEO/AA Including Veterans and Disabled.</div></div></div>

Credit Analyst II

North American Banking Company

North American Banking Company has been serving Twin Cities communities since 1998, help us continue to build new and lasting personal and business relationships as a Commercial Credit Analyst in our Woodbury branch.Job ResponsibilitiesThis job supports our commercial and retail lending staff and is responsible for the following:&middot; Spread financial information and prepare cash flow analysis from financial statements and tax returns for businesses and individuals using Credit Quest spreadsheet software and MS Excel.&middot; Prepare and/or assists lenders with the preparation of timely annual credit reviews on credit customers. This primarily includes preparation of credit presentation data for annual reviews and new credit requests on existing borrowers based on previous presentations, information on ITI, existing loan documents, etc. Identifies key issues or questions on credit relationships and communicates these to the responsible lender.&middot; Upon request of lenders, contact borrowers to obtain financial information or answers to key questions or issues raised.&middot; Monitor and analyze borrowing base certificates, set up and monitor construction loan draw spreadsheets and prepares monthly report on borrowing base and construction loans outstanding.&middot; Assist with the maintenance of credit files in a neat and organized fashion.&middot; During process of annual review, audit loan file for proper collateral perfection, insurance, compliance with loan covenants, verify that the loan is set up on ITI correctly and ensure that approved loan terms are in the loan documents.&middot; Order real estate appraisals and send engagement letters to appraisers as requested by business and retail lenders.&middot; Review and recommend acceptance or rejection of residential real estate appraisals on a timely basis by completing the appraisal review checklist.&middot; Actively participates in bank sales promotions and development activities such as community organizations and special events sponsored by the bank.&middot; Performs other duties as assigned.Successful candidates will have:&middot; Bachelor&rsquo;s degree (B.A.) from four-year college or university; or three to five years related experience and/or training; or equivalent combination of education and experience.&middot; Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures or governmental regulations.&middot; Ability to write reports and business correspondence.&middot; Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public.&middot; Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra.&middot; Ability to apply common sense understanding to carry out instructions furnished in written, oral or diagram form.&middot; Ability to deal with problems involving several concrete variables in standardized situations.&middot; Knowledge of Microsoft Excel, Word, ITI Software, and Credit Quest spreadsheet software.&middot; Basic understanding of business financial statements and business and individual tax returns and how to construct cash flow models using this information.&middot; General knowledge of applicable bank compliance policies; Bank Secrecy Act, Regulation CC, Regulation E, Regulation DD, Regulation Z, RESPA, and HMDAWhat's important to us at North American Banking Company is a happy customer. To that end, when we look for a new employee, we're looking for honesty, creativity, integrity, and exceptional client service skills. If you fit that description, you've come to the right place. As a member of the North American Banking Company team, you will find a unique environment where employees are encouraged to express creativity, participate in decision-making processes, and develop skills. You will be rewarded for hard work and dedication. We offer an outstanding package of employer paid benefits.We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, creed, religion, national origin, sex, sexual orientation, disability, protected veterans, age, marital status, familial status or status with regard to public assistance, or any other characteristic protected by law. North American Banking Company encourages veterans, people with disabilities, and minorities to apply for employment.Job Type: Full-timePay: $29.00 - $34.00 per hourBenefits:<ul><li>401(k)</li><li>401(k) matching</li><li>Dental insurance</li><li>Health insurance</li><li>Life insurance</li><li>Paid time off</li></ul>Work Location: In person

Commercial Credit Analyst

Firefighters First Credit Union

<div>Firefighters First Federal Credit Union has proudly been serving the firefighter community since 1935. We have built trusting relationships within the fire family as the nation&rsquo;s largest exclusive firefighter credit union. Our commitment to providing our members with exceptional financial products and services, along with our legendary service, has allowed us to grow our membership nationally. Join a team that values its employees, invests in professional growth, and makes an impact in the firefighter community.<div></div><div><div> 
Currently, we have an immediate opening for a Business Portfolio Credit Analyst to join our team! The Business Portfolio Credit Analyst is responsible for managing and supporting an assigned portfolio of business lending relationships through disciplined credit analysis, underwriting, portfolio monitoring, and consultative member engagement. The role focuses on evaluating credit risk, structuring sound lending solutions, and supporting responsible business loan growth while ensuring compliance with Credit Union policy, regulatory standards, and risk management practices. The Analyst works closely with Business Member Portfolio Representatives, Business Lending leadership, and business members to underwrite and approve business loans, conduct annual portfolio reviews, and produce portfolio reporting and analytics that support informed credit decisions.</div> 
Primary Responsibilities:<div><div><div><ul><li>
Conducting annual financial reviews and risk grading for an assigned portfolio of business lending relationships by analyzing business and personal financial statements, calculating key financial ratios, updating credit conclusions in the loan origination system, and monitoring ongoing credit performance to ensure portfolio health and compliance with Credit Union loan policy and regulatory standards.</li><li>
Underwriting new business loan requests, including Small Business and Commercial Real Estate (CRE) loans, and structuring, negotiating, and packaging credit requests through approval and closing while ensuring alignment with prudent risk management practices and member needs.</li><li>
Approving or declining business credit card and small business loan requests within designated lending authority in accordance with Credit Union policies and procedures while ensuring consistent application of underwriting standards and documentation requirements.</li><li>
Preparing recurring and ad hoc portfolio reports and analyses by leveraging data analytics, including AI-enabled tools where appropriate, to identify trends, concentrations, and emerging risks and support effective portfolio monitoring and credit decisioning.</li><li>
Maintaining a thorough understanding of Business Lending policies, procedures, and applicable laws and regulations while assisting in the development, maintenance, and enhancement of lending procedures and recommending policy or process improvements as appropriate.</li><li>
Participating in special projects and cross-functional initiatives that support Business Lending and Credit Union strategic objectives by providing subject matter expertise and ensuring clear communication of outcomes.</li></ul></div></div></div></div> 
Basic Qualifications:<div><div><ul><li>
Education: Bachelor&rsquo;s degree in Finance, Accounting, Economics or Business preferred; or equivalent professional experience.</li><li>
Minimum 5 years of experience in commercial/business lending or commercial real estate.</li><li>
All candidates must be bondable and maintain bondable status throughout employment in accordance with credit union regulatory requirements.</li></ul></div></div> 
Benefits:
We offer exceptional benefits to our employees, including:<ul><li>
Competitive salary with a pay for performance bonus</li><li>
Fully paid Medical, Dental, and Vision benefits package for employees.</li><li>
Fully paid Life insurance, AD&amp;D, short and long-term disability coverage</li><li>
401k plan with a 3% safe harbor from the credit union and a matching program of up to 4%</li><li>
Education reimbursement of up to $5,250 annually, along with a 0% education loan assistance program</li><li>
Pet Insurance</li><li>
4 weeks of PTO annually including 2 &frac12; days of float time.</li><li>
9 paid holidays plus 2 half days</li></ul> 
Firefighters First Federal Credit Union is an Equal Employment Opportunity employer. We do not discriminate based upon race, color, religion, age, gender, marital status, physical or mental disability, medical condition, pregnancy, sexual orientation, gender identity or expression, national origin, veteran status, genetic information, or any other status protected under federal, state, or local law. Firefighters First Federal Credit Union is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. To request reasonable accommodation, contact Human Resources at careers@firefirstcu.org.</div>

Business Portfolio Credit Analyst

CLOUD DATA PVT LTD

Job Description:1. Quality Monitoring and Assessment2. Compliance and Risk Management3. Performance Analytics and Reporting4. Documentation and Record-KeepingRequirement: <ul><li>Bachelors degree &middot;</li><li>Communication skills.&middot;</li></ul>Job Type: Full-timePay: Rs45,000.00 - Rs60,000.00 per monthWork Location: In person

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