Credit Officer-Special Assets

About the Role

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. This role involves analyzing borrower and guarantor financial information, assisting with credit risk assessments, supporting asset resolution strategies, and preparing periodic departmental reporting. The ideal candidate will have 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.

Responsibilities

• Review and analyze financial statements, tax returns, rent rolls, borrowing base reports, appraisals, aging reports, and other credit-related documentation.
• Identify 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, including gathering and summarizing information from public records, internal systems, and third-party sources.
• Provide administrative support, such as taking and distributing meeting minutes, data entry, preparing correspondence, maintaining credit files, and monitoring follow-up items.
• Contact bank customers to gather information and follow up on requested items and required financial reporting for exception management.
• Assist with departmental workflow coordination and ensure records are complete and properly maintained.

Requirements

• Bachelor’s degree in Accounting, Finance, Business, Economics, or a related field.
• At least 5 years of professional experience with a financial institution in a similar role.
• Experience with both income-producing real estate credits and operating company/business lending structures.
• Proficiency in completing spreads and written credit analysis reports on borrowers and guarantors.
• Solid understanding of Financial Statements and Tax Returns, including Generally Accepted Accounting Practices (GAAP).
• Proficient with Microsoft Office Suite, especially Excel and Word.
• Experience with Moody’s Risk Analyst, Fidelity Information Services’ IBS Insight, Hyland Software’s OnBase, or Metavante’s BankerInsight is a bonus.
• Must reside in Oklahoma City or Plano.