Patrons Bank · 1 day ago
Credit Analyst I
Bixby, OK
Full-time
Onsite
Entry Level
2+ years expPatrons Bank is seeking a Credit Analyst I responsible for evaluating financial information and analyzing risks associated with extending credit. The role involves analyzing loan applications, preparing loan memorandums, and ensuring compliance with bank regulations.
AccountingBankingFinanceFinancial Services
Hiring Manager
Melissa Peeler
Responsibilities
Analyze loan applications for new loans or renewals and assist with gathering appropriate financial data, collateral information, industry data, and market data
Analyze and interpret financial statements, spread financial statements, prepare cash flows, including global cash flow analysis, to ensure adequate ability is available to service all debt obligations
Prepare detailed written loan memorandums in accordance with bank policies and procedures and advise Loan Officers and Senior Lending Officer on loan analysis findings
Thorough knowledge and compliance bank regulation and policies, including but not limited to, Regs B, O, Z, AA, BB, RESPA, TRID, HPQM, Fair Credit Reporting Act, Right to Financial Privacy Act, Fair Housing Act, Flood Disaster Protection Act, Bank Bribery ACT and FDIC
Work with Loan Compliance Department to maintain the highest standard of compliance with all regulatory agencies and bank policies
Regular interaction with Loan Officers and, as necessary, with customers
Assist Loan Operations with loan documentation scanning and other tasks, as necessary
Coordinate and/or assist in any special projects in loan area
Complete bank training as required
Participate in bank activities
Qualification
Required
Analyze loan applications for new loans or renewals and assist with gathering appropriate financial data, collateral information, industry data, and market data
Analyze and interpret financial statements, spread financial statements, prepare cash flows, including global cash flow analysis, to ensure adequate ability is available to service all debt obligations
Prepare detailed written loan memorandums in accordance with bank policies and procedures and advise Loan Officers and Senior Lending Officer on loan analysis findings
Thorough knowledge and compliance bank regulation and policies, including but not limited to, Regs B, O, Z, AA, BB, RESPA, TRID, HPQM, Fair Credit Reporting Act, Right to Financial Privacy Act, Fair Housing Act, Flood Disaster Protection Act, Bank Bribery ACT and FDIC
Work with Loan Compliance Department to maintain the highest standard of compliance with all regulatory agencies and bank policies
Regular interaction with Loan Officers and, as necessary, with customers
Assist Loan Operations with loan documentation scanning and other tasks, as necessary
Coordinate and/or assist in any special projects in loan area
Complete bank training as required
Participate in bank activities
Strong knowledge and ability to understand and interpret financial statements
Strong background in accounting and understanding of financial concepts
High level of analytical ability and detail oriented
Willingness to adapt to changing business needs and meet strict deadlines
Understanding of loan documents and other legal requirements to secure and perfect collateral
Strong written communication, verbal communication, organization, and presentation skills
Ability to complete assignments with little oversight and supervision
Strong computer skills, including proficiency in Microsoft Word, Excel and Outlook
High character, integrity, professionalism, and work ethic
Bachelor's Degree in Business Administration with emphasis in Finance/Accounting or equivalent
Preferred
Preferred minimum two (2) years of experience working as Credit Analyst in banking industry
Company
Patrons Bank
At Patrons Bank, you’re more than just an account number – every customer is family.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Kyle Powell
President & CEO
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