Commercial Special Assets Credit Analyst
The Commercial Special Assets Department Credit Analyst supports Commercial Special Assets Lending Officers with the management of a portfolio of adversely rated, criticized, classified, and other high-risk commercial loans managed by the Commercial Special Assets Department.
- Responsible for analyzing borrower and guarantor financial information, assisting with credit risk assessments, supporting asset resolution strategies, and preparing periodic departmental reporting.
- A working knowledge of both Commercial Real Estate (CRE) and Commercial & Industrial (C&I) credits, strong analytical and organizational skills, and the ability to manage a blend of credit, operational, reporting, research, and administrative responsibilities.
- Review and analyze financial statements, tax returns, rent rolls, borrowing base reports, appraisals, aging reports, and other credit-related documentation while identifying key credit issues, emerging risks, and trends within the portfolio and communicate findings to Special Assets Lending Officers and Senior Management.
- Complete research requests related to borrowers, guarantors, affiliates, and collateral – tasks will include gathering and summarizing information from public records, internal systems, and third-party sources regarding litigation, bankruptcies, judgments, liens/UCC filings, real estate ownership, business entity records, collateral positions, other relevant financial or legal matters.
- Provide administrative support to the department including: taking and distributing meeting minutes, data entry for departmental reports and tracking logs, preparing and mailing letters or other correspondence, maintaining electronic and physical credit files, monitoring follow-up items and due dates, Assist with departmental workflow coordination and ensure records are complete and properly maintained.
- Contacting bank customers to gather information and/or follow-up on requested items and required financial reporting necessary for exception management.
Position Requirements:
- Bachelor’s degree is required with preference to Accounting, Finance, Business or Economics
- Professional experience with a financial institution in a similar role for at least 5 years. Experience with both income-producing real estate credits and operating company/business lending structures.
- Experience with completing spreads and written credit analysis reports on borrowers and guarantors.
- A solid understanding of Financial Statements and Tax Returns, including General Accepted Accounting Practices.
- Computer: Proficient with Microsoft Office Suite, especially Excel and Word. Experience with any of the following a bonus: Moody’s Risk Analyst, Fidelity Information Services’ IBS Insight, Hyland Software’s OnBase and Metavante’s BankerInsight
- To be considered must reside in Oklahoma City or Plano
Qualifications Education Required Bachelors or better. Preferred Bachelors or better. Bachelors or better. Bachelors or better. Bachelors or better. Experience Required Experience with both income-producing real estate credits and operating company/business lending structures. Professional experience with a financial institution in a similar role Preferred Experience with completing spreads and written credit analysis reports on borrowers and guarantors. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
Skills Required
- Bachelor's degree, preferably in Accounting, Finance, Business, or Economics
- At least five years of professional experience with a financial institution in a similar role
- Experience with income-producing commercial real estate credits
- Experience with operating company or commercial and industrial business lending structures
- Experience completing financial spreads and written credit analysis reports on borrowers and guarantors
- Understanding of financial statements, tax returns, and Generally Accepted Accounting Principles
- Proficiency with Microsoft Office Suite, especially Excel and Word
- Residence in Oklahoma City or Plano
MidFirst Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about MidFirst Bank and has not been reviewed or approved by MidFirst Bank.
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Healthcare Strength — Health, dental, and vision coverage are available to eligible full‑time and part‑time employees, with company‑paid long‑term disability and an EAP included. Medical plans through Blue Cross Blue Shield and wellness incentives that can lower premiums are highlighted.
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Retirement Support — A company 401(k) match with a clear formula and a defined vesting schedule provides meaningful retirement support. Eligibility and enrollment timing are specified, reinforcing predictable access to the plan.
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Leave & Time Off Breadth — Paid vacation, paid sick leave, and paid holidays are emphasized, with a paid community service day also referenced. Time‑off offerings are portrayed as generous across materials.
MidFirst Bank Insights
What We Do
MidFirst Bank occupies a rare position within the banking industry. With $41.2 billion in assets, MidFirst Bank is the largest privately owned bank in the country. This combination of size and private ownership provides our customers with a special brand of banking. MidFirst Bank offers a full range of personal, commercial, trust, private banking and mortgage banking products and services. MidFirst is a strong commercial real estate lender and a major servicer of mortgage loans nationally. As a private business ourselves, we understand the unique needs of each business community we serve at each of our locations in Arizona (Phoenix), California (Los Angeles, Orange County, Santa Barbara, San Diego), Colorado (Boulder, Denver, Edwards, Fort Collins), Nevada (Las Vegas), Oklahoma (Oklahoma City, Tulsa, Western Oklahoma), Texas (Dallas, Houston, San Antonio) and Utah (Salt Lake City). Additionally, MidFirst Bank has commercial lending offices in Atlanta, Chicago, Nashville, New York City, Orlando, Raleigh and Southern California. We serve Southern California through 1st Century Bank, a division of MidFirst Bank. We also operate MidFirst Business Credit as a subsidiary of MidFirst Bank. MidFirst Bank provides services that compete with larger banks, while the people and culture truly define the MidFirst Bank difference. MidFirst provides exceptional financial and deeply committed customer service. Team members are loyal in their character, loyal in their personal commitment to customers, and loyal to always doing the right thing. MidFirst customers can always count on working with thoughtful, intelligent, honest professionals who are true to their financial goals. MidFirst Bank is a strong supporter of the communities they serve, investing time and money in important educational, charitable and civic organizations. Copyright © 2025 MidFirst Bank. All rights reserved. Member FDIC. Equal Housing Lender.
