Oklahoma City, OK
Founded over 115 years ago, my client is a leader as a Top Regional Bank in Oklahoma and Kansas. Current asset size is almost $3 Billion and GROWING!
This position supports the Bank’s mission by implementing and overseeing a uniform credit analysis and credit approval structure to assure proper credit risk acceptance in the loan approval process for all customers of the Bank.
Reports to: AVP, Credit Analyst Supervisor. This could be the Lead Analyst for the OKC Market
30% Works with the SVP, Director of Credit Administration in order to ensure quality of loans. Tasks include, but not limited to working directly with commercial loan officers in assessing the viability of a loan request and determining acceptable risks for the Bank to pursue. Uses expert judgment to determine the best path forward. Additional tasks include, but not limited to spreading and analyzing financial statements, researching market trends, preparing loan approval reports, and performing collateral reviews. Self-monitored with feedback provided by the SVP, Director of Credit Administration.
20% Participate in on-going monitoring of credit risk by preparing annual financial spreadsheets on all Bank commercial borrowers, reviewing and recommending risk ratings, making presentations to the Corporate Loan Committee and assisting with the monitoring loan covenants. Determining when risks need to be elevated to upper management, the Corporate Loan Committee, or the senior management.
20% Maintains compliance with lending policies and procedures for the Bank in order to minimize risk. Tasks include, but not limited to recommending changes to loan policies, working with originating loan officer in order to decide the extent of information needed to prepare loan requests for approval and assisting with pre- and post-closing procedures. Prepares real estate evaluations in accordance with USPAP standards. Uses best practices along with judgement in determining value of property.
10% Responds to the needs of customers and co-workers, providing support to the lending functions of the Bank. Acts as a mentor, coach, and guide to lenders and credit analysts. Tasks include, but not limited to providing timely responses to requests for assistance. Self-monitored with feedback provided by the VP, Credit Administration Manager.
10% Responds support to the SVP, Director of Credit Administration Manager in order to increase the effectiveness of the department. Tasks include, but not limited to participating in department meetings, making recommendations for procedural changes, and keeping the Senior Management informed of work in process. Self-monitored with feedback provided by the VP, Credit Administration Manager.
10% Participates in ongoing educational opportunities related to credit analysis and commercial lending. Self-monitored with feedback provided by the SVP, Director of Credit Administration.