SBA Credit Analyst evaluating credit worthiness of commercial borrowers for BancFirst. Providing analysis and support for credit decisions in a fast-paced environment.
Responsibilities
Provide support in the on-going credit evaluation of existing and prospective customers.
Analyze the financial health of commercial borrowers and make recommendations for credit lines based on required criteria.
Interact with a variety of professionals and represent the bank in interactions with clients and other professionals.
Serve as a point of contact for customers, Loan Officers, and other professionals to discuss potential SBA credit requests and provide guidance on SBA loan structures and requirements
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money
Prepare financial analysis and financial ratio analysis
Prepare industry research
Underwrite credit requests to the standards of bank policy and procedures, as well as SBA SOP
Prepare loan memorandums
Review loan memorandums within BancFirst and provide additional underwriting to ensure the memorandum meets SBA standards.
Research, identification, and development of loan opportunities
Prepare term sheets for credit requests
Prepare annual Loan Reviews for SBA loans within the Commercial Capital portfolio, inclusive of needed financial analysis
Maintain accurate and up to date tracking of all credit applications and participate in weekly production meetings to discuss progress, priorities, and outstanding items.
Refer relevant customers to other BancFirst service providers (Insurance, Trust, Merchant Services, etc.), if not done so by the Loan Officer
Requirements
Bachelor’s degree in Business, Marketing, Finance, Accounting, Agribusiness, or Agricultural Economics
Excellent customer service skills
Strong communication skills, both verbal and written
Excellent interpersonal skills
Demonstrates an understanding of credit management, credit operations and commercial lending
Ability to perform in a highly sensitive environment and maintain confidentiality
High level of attention to detail, with strong problem solving and organization skills
Ability to perform effectively in a fast-paced environment
Working knowledge of Microsoft Office, especially Word, Excel
Complete all required compliance training by established deadlines
Benefits
Employees enjoy excellent benefits and a learning environment that allows them to continuously improve their skills to deliver highly personalized service to customers.
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