SBA Credit Analyst at BancFirst Corporation – Moore, Oklahoma

Commercial Capital

Small Business Administration (SBA)

Credit Analyst

LOCATION

Onsite

BancFirst Commercial Capital

600 NW 5th

Moore, OK 73160

HOURS

Full Time

SUMMARY

Provide support 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.

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

Preparing financial analysis and financial ratio analysis

Preparing industry research

Underwrite credit requests to the standards of bank policy and procedures, as well as SBA SOP

Preparing 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

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 $14 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.