Credit Analyst

Credit Analyst 

Prague, OK                                                           

LOCATION

ONSITE Position

902 W. Main 

Prague, OK  74864

HOURS

Full Time

SUMMARY

Provide support to commercial banking staff in the on-going credit evaluation of existing and prospective customers.  The Credit Analyst analyzes the financial health of commercial borrowers and is responsible for gathering and reviewing credit information making recommendations for credit lines based on required criteria.  The Credit Analyst interacts with a variety of professionals and represents the bank in interactions with clients and other professionals.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.  Other duties may be assigned.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money

Generate financial ratios to evaluate a customer’s financial status

Preparing industry research

Preparing financial analysis memorandums

Preparing loan memorandums

Attending loan committee meeting 

Attending weekly sales meetings

Research, identification and development of prospects

Making customer and prospect calls

Developing information requests for credit and/or deposit and treasury service opportunities

Preparing term sheets for credit requests

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

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

PHYSICAL REQUIREMENTS

Constant use of computer screens and reading of reports

Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner and facsimile

Regularly required to sit, use hand to finger, handle or feel, reach with hands and arms, and talk, see or hear  

Intermittently standing, stooping, bending at the waist, walking, kneeling or crouching to file materials

Regularly lift and/or move and carry up to 5 pounds 

Hometown service, statewide strength. BancFirst is committed to investing in the future of Oklahoma communities. BancFirst is a $15 billion bank offering personal and commercial products, trust, insurance, and investment services in sixty Oklahoma communities. Employees enjoy excellent benefits and a learning environment that allows them to continuously improve their skills to deliver highly personalized service to customers.
 EOE - BancFirst is an Equal Opportunity employer.

Diversity…Our differences enhance business performance.