SBA Credit Analyst

Role Overview

• Provide support in the on-going credit evaluation of existing and prospective customers.
• Analyze the financial health of commercial borrowers and make recommendations for credit lines based on required criteria.
• Interact with a variety of professionals and represent the bank in interactions with clients and other professionals.
• 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
• Prepare financial analysis and financial ratio analysis
• Prepare industry research
• Underwrite credit requests to the standards of bank policy and procedures, as well as SBA SOP
• Prepare 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

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

Benefits

• Employees enjoy excellent benefits and a learning environment that allows them to continuously improve their skills to deliver highly personalized service to customers.