Credit Analyst III

Description

Join Blue Sky Bank's dedicated team as a Commercial Credit Analyst III!

Drive smart lending decisions. Strengthen financial partnerships. Grow your career.

Blue Sky Bank is seeking a detail-oriented and proactive Credit Analyst III to join our team in Tulsa, Oklahoma. In this role, you will play a critical role in the credit decision-making process by performing comprehensive financial and risk analysis for commercial lending relationships. You'll work independently on complex credit requests, monitor portfolio risk, and assist lenders in maintaining a safe and sound loan portfolio while ensuring compliance with regulatory requirements and bank policy.

Why Blue Sky Bank?

• Hybrid Work Arrangement - Achieve more with a hybrid work schedule that promotes flexibility, connection, and success.
• Benefits – Enjoy a comprehensive benefits package that includes a starting accrual of three weeks of paid time off, a 401(k) plan with employer matching, and medical, dental, and vision insurance. Additional benefits include a Health Savings Account (HSA), Flexible Spending Account (FSA), Dependent Care FSA, voluntary accident and critical illness coverage, and 100% employer-paid short-term Disability, long-term disability, and group life/AD&D insurance, as well as optional voluntary life/AD&D coverage.
• Growth Opportunities – Gain exposure to advanced credit analysis and a diverse loan portfolio.
• Collaborative Environment – Partner with experienced lenders, credit professionals, and bank leadership in a culture that values teamwork and expertise.
• Meaningful Influence – Play a critical role in maintaining a safe, sound, and successful loan portfolio.

What You'll Do

• Perform comprehensive financial and credit analysis for new and existing commercial lending relationships
• Evaluate borrower financial statements, cash flow, repayment capacity, and overall creditworthiness
• Assist lenders in structuring credit facilities and identifying appropriate risk mitigation strategies
• Prepare and maintain detailed, high-quality credit memorandums and underwriting recommendations
• Monitor commercial loan relationships and identify emerging credit risks
• Recommend risk rating and grading changes based on ongoing portfolio performance
• Evaluate collateral, covenant compliance, and financial trends to support ongoing credit monitoring
• Analyze industry data and market conditions to enhance risk assessments
• Assess collateral quality and support appropriate loan structures and approval parameters
• Review and analyze: Accounts Receivable Aging Reports, Borrowing Base Certificates, Rent Rolls, Loan Covenant Compliance, Financial Statements and Cash Flow Analysis, and On-site Collateral Inspections, as needed.
• Provide meaningful analysis regarding collateral values, inherent risks, and mitigation strategies
• Partner closely with lenders to facilitate loan approvals, renewals, extensions, and ongoing monitoring
• Coordinate the timely collection of financial information and clearance of loan exceptions
• Support efficient credit administration processes and portfolio maintenance efforts
• Collaborate with departments across the bank to ensure a seamless lending process
• Ensure compliance with bank policies, regulatory requirements, and fair lending standards
• Maintain consistency and quality within the credit underwriting process
• Demonstrate leadership through sound judgment, professionalism, and constructive collaboration
• Serve as a trusted resource for lenders and internal business partners

Requirements

• Education: Bachelor’s degree in finance, accounting or other business-related fields or equivalent experience.
• Experience: 5+ years of commercial credit analysis/underwriting experience at a financial institution required. C&I and real estate experience preferred.
• Valid driver's license, proof of insurance, qualifying motor vehicle record report, and reliable transportation.
• Advanced knowledge of commercial credit analysis and underwriting
• Strong understanding of financial statement analysis, cash flow modeling, and risk assessment
• Ability to independently evaluate complex credit relationships and make sound recommendations