Credit Analyst

Credit Analyst

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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 and 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.

• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money
• Prepare industry research
• Prepare financial analysis memorandums
• Attend loan committee meetings
• Attend weekly sales meetings
• Research, identification and development of prospects
• Make customer and prospect calls
• Develop information requests for credit and/or deposit and treasury service opportunities
• Prepare 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.

• Bachelor’s degree in Business, Marketing, Finance, Accounting, Agribusiness, or Agricultural Economics
• 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

• 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

902 W. Main
Prague, OK 74864

Full Time

EOE - Banc First is an Equal Opportunity employer.

• Entry level

• Full-time

• Finance and Sales
• Banking

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