Credit Analyst II

Stride Bank N.A - Oklahoma City, OK

Full-time - Mid Level

Oklahoma City, OK

Credit Intermediation and Related Activities

About the position

The Credit Analyst II at Stride Bank is responsible for investigating and analyzing credit risks associated with current and prospective customers. This role involves resolving moderately complex credit issues, maintaining financial background information, and preparing credit studies for loan officers and committees.

Responsibilities

• Analyzes all customer financial information, including business and personal tax returns, financial statements, credit reports, and other financial data.
• Determines and performs appropriate levels of stress testing.
• Identifies risks and potential mitigation strategies.
• Rates loans based on transaction, property, borrower, and guarantor.
• Researches markets and industries and prepares reports for management.
• Prepares summary tables and writes the financial analysis section for loan proposals, making recommendations to lenders.
• Performs annual status reports on existing loans and relationships.
• Performs other duties as assigned.

Requirements

• Bachelor's degree in a business-related field or a minimum of 5 years equivalent work experience.
• 2-4 years of experience in commercial credit analysis and/or commercial lending.
• Basic understanding of underwriting income-producing real estate.
• Basic understanding of C&I underwriting.
• Good working knowledge of lending processes and subject matter.
• Ability to handle complex issues and problems with excellent analytical skills and attention to detail.
• Excellent verbal, written, and interpersonal communication skills.
• A significant level of trust and diplomacy required.