Credit Analyst 1

Pay is based on a number of factors including the successful candidate's job-related knowledge and skills, qualifications, and prior experience. Arvest offers a comprehensive suite of benefits, including a full range of health and life, financial, and wellness benefits. For more information about benefits, please visit

The position is located at 2902 E Gore Blvd Lawton, OK 73501.

Availability is needed Monday through Friday 8:00 am to 5:00 pm with ability to work additional hours as needed.

The story of Arvest is one of commitment, started by our founders in 1961 with an intense dedication to focusing on our customers. We will always be active and involved members of the communities we serve, and we will always work to put the needs of our customers and associates first as we continue to fulfill our mission - People helping people find financial solutions for life.

Job Title: Credit Analyst 1

With close supervision, incumbents analyze and project credit and financial information for less complex commercial loans. They review all pertinent credit and financial information on borrowers and proposed borrowers, including reporting services, credit bureaus, other companies, financial statements, credit files, etc. The incumbents conduct financial analysis on borrowers to assess their ability to repay loans, monitor trends and conditions and determine and alert senior staff and managers to potential problem situations that surface from analytical research.

What You Will Do at Arvest: (Other duties may be assigned.)
• Analyze and spread financial statements and related material for less complex commercial loans.
• Provide assistance in the preparation and presentation of loan proposal packets for the Loan Committee meetings.
• Following defined parameters, determine the need for more thorough research or additional information, and work with the Commercial Bankers to obtain the needed information.
• Oversee and maintain an up-to-date computer system to spread, analyze, and project financial statements.
• Prepare reports to be used by the Commercial Bankers and loan committees.
• Prepare summary reports, present facts, and offer recommendations concerning creditworthiness and customers' ability to repay loans.
• Utilize current methods and procedures to analyze credit to maintain and enhance the bank's loan portfolio quality and minimize any potential loss.
• Provide feedback to others on a timely basis without sacrificing quality in the credit review process.
• May make recommendations on improvements with bank procedures to senior management.
• Perform all liaison activities in a professional manner to ensure maximum cooperation between and among all associates.
• Understand and comply with bank policy, laws, regulations, and the bank's BSA/AML Program, as applicable to your job duties. This includes but is not limited to completing compliance training and adhering to internal procedures and controls; reporting any known violations of compliance policy, laws, or regulations; and reporting any suspicious customer and/or account activity.


Supervisory Responsibilities: NA

Responsibilities:

Required Toolbox for Success:
• Associate's Degree or 2 years of college or equivalent related finance, accounting, or lending experience, or relevant military experience
• 9 hours of college-level accounting or equivalent training (ABA, Omega/Moody's, or other in-depth training courses focused on financial analysis or commercial loan underwriting)


Preferred Toolbox for Success:
• Professional work environment experience
• Bachelor's degree


Relevant military experience is considered for veterans and transitioning service members.


Physical Demands:

Regular attendance is an essential function of the job. The associate must be able to travel occasionally within the US, possibly overnight. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

We offer competitive compensation, benefits packages, and significant professional growth.

Arvest Bank is committed to providing equal opportunity to all persons regardless of race, color, race-based hairstyles and textures, religion, marital status, sex, sexual orientation, gender identity, pregnancy, age, national origin, disability, veteran status, or any other basis, which now or in the future may be specified by law. Along with an excellent benefits package, our associates are engaged, rewarded for performance, and encouraged to grow professionally and personally. Our associates drive our future. We urge you to apply if you want to be recognized for your results and empowered to reach your potential.

Grade 14

Pay Range: $25.30 - $31.60 per hour