What are the responsibilities and job description for the SBA Credit Analyst position at BancFirst Corporation?
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.
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
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
Refer relevant customers to other BancFirst service providers (Insurance, Trust, Merchant Services, etc.), if not done so by the Loan Officer
Regular and consistent attendance is an essential function of this position
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 $12 billion bank offering personal and commercial products, trust, insurance, and investment services in fifty-nine 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.
BancFirst is an Equal Opportunity and Affirmative Action employer.
Diversity…Our differences enhance business performance.
