The Role
Performs complex commercial credit analysis and underwriting for new and existing lending relationships. Evaluates financial statements, cash flow, collateral, covenants, repayment capacity, and borrower risk. Prepares credit memorandums and recommendations, supports loan structuring and approvals, monitors portfolio performance, identifies emerging risks, recommends risk-rating changes, and ensures compliance with bank policies, regulations, and fair-lending standards. Partners with lenders and internal teams to maintain a sound commercial loan portfolio.
Summary Generated by Built In
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
Skills Required
- Bachelor's degree in finance, accounting, or another business-related field, or equivalent experience
- 5+ years of commercial credit analysis or underwriting experience at a financial institution
- C&I and real estate credit experience
- Valid driver's license
- Proof of vehicle insurance
- Qualifying motor vehicle record report
- 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
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The Company
What We Do
Blue Sky Bank is a commercial bank established in 1905, providing financial solutions and personalized service to individuals and small to medium-sized businesses, including loans, checking, savings, and treasury management.
