Credit Analyst III

Commercial Credit Analyst IIIJoin 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 DoPerform comprehensive financial and credit analysis for new and existing commercial lending relationshipsEvaluate borrower financial statements, cash flow, repayment capacity, and overall creditworthinessAssist lenders in structuring credit facilities and identifying appropriate risk mitigation strategiesPrepare and maintain detailed, high-quality credit memorandums and underwriting recommendationsMonitor commercial loan relationships and identify emerging credit risksRecommend risk rating and grading changes based on ongoing portfolio performanceEvaluate collateral, covenant compliance, and financial trends to support ongoing credit monitoringAnalyze industry data and market conditions to enhance risk assessmentsAssess collateral quality and support appropriate loan structures and approval parametersReview 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 strategiesPartner closely with lenders to facilitate loan approvals, renewals, extensions, and ongoing monitoringCoordinate the timely collection of financial information and clearance of loan exceptionsSupport efficient credit administration processes and portfolio maintenance effortsCollaborate with departments across the bank to ensure a seamless lending processEnsure compliance with bank policies, regulatory requirements, and fair lending standardsMaintain consistency and quality within the credit underwriting processDemonstrate leadership through sound judgment, professionalism, and constructive collaborationServe as a trusted resource for lenders and internal business partnersRequirementsBachelor's degree in finance, accounting or other business-related fields or equivalent 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 underwritingStrong understanding of financial statement analysis, cash flow modeling, and risk assessmentAbility to independently evaluate complex credit relationships and make sound recommendations