Credit Analyst - Oklahoma , OK

Overview

Position:
Credit Analyst

Department:
Credit Administration

Location:

Oklahoma City, OK (on-site)

Status:
Full-Time/Salary

• Produce high quality credit presentation / annual reviews for use by various Approval Authorities (Internal and External).
• Use customer-provided information to produce consistent financial spreads.
• Analyze the produced financial spreads with emphasis on all financial activities of the borrower.
• Identify material changes and/or trends in the balance sheet and income statement.
• Complete deal specific and global cash flow analysis.
• Identify and analyze the adequacy of the collateral securing the loan(s).
• Create a well-written credit presentation / annual review that is reader friendly and effectively exemplifies the true position that Equity Bank maintains with respect to the credit facility(ies).
• Manage relationships with Loan Officers.
• Utilize written and oral communication skills to obtain all the needed information for any requests/annual reviews in a timely manner.
• In conjunction with Loan Officer, contact customers, CPAs and advisors when needed.
• Confirm all credit applications/annual reviews with officers to present the Approval Authorities with the best, most accurate product for an educated decision.
• Develop and maintain general banking / credit related knowledge (Credit Policy, underwriting guidelines, and credit procedures).
• Understand commercial loan types and their uses in loan structuring; commercial loan documentation including security documents (UCCs, Security Agreements, Real Estate Mortgages, Assignment of Leases and Rents).
• Review real estate appraisals and evaluations, both internal and from third-party vendors.
• Understand customer relationships and communicate with customers, CPAs and advisors as needed.
• Develop and maintain a positive professional image for Equity Bank.
• Maintain a friendly, customer service oriented approach to customers.
• Prepare and manage reports and responsibilities as assigned.
• Assist with related projects such as Financial Covenant Monitoring / Approval and Borrowing Base Certificate Monitoring / Approval; prepare weekly, monthly, quarterly, and annual reports as assigned.
• Follow applicable laws and regulations for job responsibilities including Equity Bank’s Ethics and Conduct policy, Bank Secrecy Act, Information Security, and SAR requirements.
• Perform other duties as assigned or required.

• Bachelor’s degree in finance, Accounting, Economics, Business Administration, or a related field.
• High level of accuracy and attention to detail to identify risk factors and ensure quality in credit evaluations.
• Ability to think critically and make informed decisions based on thorough analysis of credit data.
• Effective written and verbal communication skills to convey credit analysis findings and recommendations to stakeholders, including senior management.
• Proficiency in Microsoft Office Suite, particularly Excel.
• Capable of managing multiple projects simultaneously and meeting deadlines in a fast-paced environment.

Equity Bank, a full-service, $5 billion community bank, is based in Wichita, Kansas, with 72 bank offices throughout Kansas, Missouri, Arkansas, and Oklahoma. We offer a full range of financial solutions and are committed to competitive compensation and benefits, personal and professional growth, and community service.

We believe your benefits are an important part of your overall compensation package. We provide up-to-date, competitive benefit plans that support the physical and financial well-being of our employees and their families.

• Health, Dental & Vision Insurance
• Group Life & Long-Term Disability Insurance
• Flexible Spending & Health Savings Accounts
• Group Cancer Insurance
• 401(K) Retirement Plan w/ Company Match
• Generous Vacation & Sick Time
• Employee Stock Purchase Plan (ESPP)
• Pet Insurance
• Retail Banking Benefits

Equity Bank is an equal opportunity employer and will not make employment decisions based on an applicant’s race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Find your future at Equity Bank.