Credit Analyst

Chartered in 1917, First National Bank of Oklahoma saw a change with new ownership and management team in 2002 and recent years have been exciting. The bank's focus has been sharpened, two new Oklahoma City banking offices have been opened, new products developed and offered and we have an experienced staff to service our customers. We will continue evaluating service enhancements with a goal of delivering all of the banking services you require, while remaining true to our community banking roots.

First National Bank of Oklahoma offers an excellent benefit package: Health, Dental, Vision, Life Insurance, Short-Term and Long-Term Disability Insurance, 401(k), Paid Holidays and PTO.

First National Bank of Oklahoma is an independently owned, strong, and growing bank seeking an experienced Credit Analyst. As a Credit Analyst, you will assist with commercial lending transactions. In this position, you will analyze financial transactions and credit history, complete ratio, trend and cash flow analysis and prepare spreadsheets, reports and summaries for Lenders on new, renewal and existing loans. You will review all loan files as needed to ensure quality, consistency and compliance with lending guidelines and ensure all credit files are complete by identifying any documentation deficiencies and reporting to the Lender as needed for timely resolution. 

Job Responsibilities:

• Use customer-provided information to produce consistent financial spreads.
• Analyze the produced financial spreads with emphasis on all financial activities of the borrower.
• Identifies material changes and / or trends in the balance sheet and income statement.
• Completes deal specific and global cash flow analysis.
• Identifies and analyzes the adequacy of the collateral securing the loan(s).
• Prepare spreadsheets, reports and summaries for Lenders on new, renewal and existing loans.
• Review credit files making sure the files are complete and report any documentation deficiencies to the Lender in a timely fashion for resolution.

Required Qualifications:

• Bachelor’s degree in finance, accounting, or business-related field.
• Strong attention to detail.
• Good problem-solving skills.
• Working knowledge of the full Microsoft Office Suite basis PC desktop operating systems.
• Excellent analytical, organizational, and time management skills. Good follow through on projects and deliverables. Able to handle/focus on multiple tasks.
• Able to perform under time deadlines. May be subject to increased pressure situations on occasion.

If you would like to be part of a great team in a great working environment, consider applying for this career opportunity at www.fnbok.com.

First National Bank of Oklahoma is an Equal Opportunity employer-M/F/Vets/Disabled