Credit Analyst II

Job Details

Job Location:

Overland Park - Overland Park, KS 66223

Position Type:
Full Time Job Category:
Banking At Oak Star, strong relationships are at the heart of everything we do—including how we work together. Since 2005, we’ve grown from a single location in Springfield, Missouri, into a trusted, multi-state financial institution serving communities across Missouri, Kansas, and Colorado. As an SBA Preferred Lender and a recognized leader in small business banking, our work supports local economies and meaningful growth—giving our team members the opportunity to make real, visible impact through their roles.

Working at Oak Star means joining a fast-paced, collaborative, and supportive team guided by our SERVE values—stewardship, empathy, responsiveness, vision, and empowerment. We’re committed to service excellence, giving back to our communities, and fostering a workplace where team members are supported. Comprehensive benefits include health, dental, vision, life, and disability insurances, as well as 401(k), 401(k) match, paid time off, and paid holidays.

The Credit Analyst II is responsible for evaluating the creditworthiness of individuals and businesses seeking loans or credit from the bank. The role involves analyzing financial statements, preparing detailed reports, and providing recommendations to the lending team to support informed decision‑making on credit applications.

• Analyze financial statements, credit reports, and other relevant documentation to assess the creditworthiness of individuals, businesses, and organizations.
• Perform an in-depth financial analysis, including reviewing balance sheets, income statements, cash flow statements, and other financial data. Maintain and update data in the bank’s credit systems to ensure accurate and timely reporting.
• Prepare detailed reports outlining the applicant’s financial standing, credit history, and risk factors.
• Provide recommendations on credit approvals, limits, terms, and conditions based on financial analysis and risk evaluation.
• Present findings and recommendations to senior credit officers or the loan committee.
• Monitor existing loan portfolios to assess risk levels and ensure compliance with bank policies.
• Assist in the review of loan performances and identify potential issues that may require attention or mitigation. Assist with the preparation of audits and exams.
• Communicate with customers or loan officers to gather necessary financial information and clarify data discrepancies.
• Collaborate with loan officers and other internal team members to ensure all relevant data is considered in the credit decision‑making process.
• Ensure all credit analysis and decisions comply with applicable regulations, internal policies, and best practices.
• Maintain accurate and thorough documentation of credit assessments and decisions.
• Stay informed about current market trends, industry developments, and changes in regulations that may impact credit risk.
• Use various credit analysis tools, financial models, and banking software to evaluate loan applications and manage credit risk effectively.
• Participate in various credit committees assigned by management and assume responsibility for special projects.

Secondary Duties

• Ensure compliance with all bank policies and procedures, as well as all applicable state and federal banking regulations.
• Treat people with respect, keep commitments, inspire the trust of others, work ethically and with integrity, uphold the bank’s values, and accept responsibility for one’s own actions.
• Demonstrate knowledge of and adherence to EEO policy, show respect and sensitivity for cultural differences, educate others on the value of diversity, promote a working environment free of harassment of any type, and value a diverse workforce.
• Follow policies and procedures, complete tasks accurately and on time, support the bank’s goals and values, and benefit the bank through outside activities.
• Perform the position safely, without endangering the health or safety of yourself or others, and report potentially unsafe conditions to management. Comply with occupational safety and health standards and all…