Credit Analyst II

Join Blue Sky Bank's team as a Credit Analyst II!

Drive smart lending decisions. Strengthen financial partnerships. Grow your career.

Blue Sky Bank is seeking a detail-oriented and proactive Credit Analyst II to join our team in Tulsa, Oklahoma
. As a Credit Analyst II, you’ll play a key role in evaluating borrower financials, assessing risk, and supporting lending decisions that keep our loan portfolio strong and compliant. This position offers exposure to moderate to advanced credit analysis
, allowing you to expand your expertise while collaborating closely with lending teams across the bank.

• Benefits – Enjoy a comprehensive benefits package that includes a starting accrual of three weeks of paid time off, a 401(k) plan with employer matching, and medical, dental, and vision insurance. Additional benefits include a Health Savings Account (HSA), Flexible Spending Account (FSA), Dependent Care FSA, voluntary accident and critical illness coverage, and 100% employer-paid short-term Disability, long-term disability, and group life/AD&D insurance, as well as optional voluntary life/AD&D coverage.
• Growth Opportunities – Gain exposure to advanced credit analysis and decision-making.
• Impactful Work – Play a critical role in maintaining a safe, sound, and successful loan portfolio.

• Partner with lending staff to support credit underwriting and ensure compliance with bank policies and regulatory standards.
• Conduct comprehensive financial and risk analysis for new and existing commercial relationships.
• Prepare detailed credit memorandums and maintain consistency in underwriting documentation.
• Analyze financial statements, cash flow, and key performance metrics using bank systems.
• Evaluate loan collateral and risk factors, including A/R aging reports, borrowing base certificates, rent rolls, loan covenant compliance, on-site collateral inspections, as needed.
• Monitor loans post-approval—track covenants, identify risks, and support renewals/extensions.
• Provide industry comparisons and insights to strengthen risk assessments.
• Ensure adherence to all regulatory requirements, including privacy, legality, and non-discrimination.
• Help develop efficient processes for loan approvals, closings, and ongoing portfolio monitoring.
• Collaborate across departments and maintain strong internal and external relationships.

• Education: Bachelor’s degree in finance, accounting or other business-related fields or equivalent experience required.
• Experience: 2+ years of credit analysis/underwriting experience.
• Valid driver's license, proof of insurance, qualifying motor vehicle record report, and reliable transportation.
• Strong knowledge and understanding of credit analysis/underwriting.
• Sound judgment with a keen eye for risk identification and mitigation.
• Ability to interpret complex financial data and present clear, concise recommendations.
• Excellent written and verbal communication skills.
• Ability to collaborate effectively while demonstrating leadership qualities.
• A proactive, positive attitude and commitment to excellence