Provide support in the on-going credit evaluation of existing and prospective customers
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

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

SBA Credit Analyst

Key skills