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Title

Credit Analyst 1 

Division Arvest  
Category Lending Operations  
Location 500 Broadway St  
Location AR, Little Rock  
Full-Time/Part-Time Full-Time  
Exempt/Non-Exempt Non-Exempt  
Grade 13 Standard  
Accepting applications through April 18, 2021  
Details Position is Monday through Friday from 8 am to 5 pm with the ability to work additional hours as needed.  
Preferred Qualifications See Below  
 
Description

Position is Monday through Friday from 8 am to 5 pm with the ability to work additional hours as needed.

SUMMARY: With close supervision, incumbents analyze and project all types of credit and financial information for less complex loans.  Incumbents review all pertinent credit and financial information on a borrower and proposed borrower including reporting services, credit bureaus, other companies, financial statements, credit files, etc.  The incumbents conduct financial analysis on borrowers to assess the ability to repay loans, monitor trends and conditions, and to determine and alert senior staff and managers as to potential problem situations which surface from analytical research.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.  Other duties may be assigned.

  1. Analyze and spread financial statements and related material.
  2. Provide assistance in the preparation and presentation of loan proposal packets for the Loan Committee meetings. 
  3. Following defined parameters, determine the need for a more thorough research or additional information and work with the loan officers to obtain the needed information.
  4. Oversee and maintain an up-to-date computer system to spread, analyze, and project financial statements.
  5. Prepare reports to be used by the loan officers and loan committees.
  6. Prepare summary reports, present facts, and offer recommendations concerning credit-worthiness and the ability of the customers to repay loans.
  7. Utilize current methods and procedures to analyze credit to maintain and enhance the bank’s loan portfolio quality and minimize any potential loss.
  8. Provide feedback to others on a timely basis, without suffering quality in the credit review process.
  9. May make recommendations on improvements with bank procedures to senior management.
  10. Perform all liaison activities in a professional manner to insure maximum cooperation between and among all employees.
  11. 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; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.

TEAM ACCOUNTABILITIES:

  • Cross-sell other services of the bank.
  • Support and uphold the Arvest Mission Statement.
  • Uphold the Arvest Code of Ethics and ensure that confidential information is safeguarded.
  • Maintain a high level of cooperation and rapport with all associates in order to ensure accurate and efficient operations and service.
  • Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the bank's overall operation.
  • Promote professionalism at all times.
 
Position Requirements

QUALIFICATION REQUIREMENTS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE:

  • High school diploma or general education degree (GED) required.
  • Completion of nine (9) hours college level accounting or equivalent required.
  • Three (3) to five (5) years banking experience or equivalent required.
  • AA/AS degree preferred.

OTHER SKILLS AND ABILITIES:

  • Must be able to arrive at work on time, work on site and have regular work attendance
  • Must be able to work cooperatively with other co-workers regardless of personality, presence or communication style
  • Must be able to provide cordial customer service regardless of customer personality, presence or communication style
  • Must be able to perform several tasks at once
  • Must be able to work in a stressful atmosphere
  • Must be able to rotate job tasks
  • Must be able to occasionally work overtime
  • Must be able to greet others cordially
  • Must be able to coordinate multiple and changing priorities
  • Must be able to verbally communicate with all other associates
  • Must be able to operate telephone, copier and FAX machines
  • Must be able to move from department to department or bank to bank to attend meetings
  • Must be able to operate personal computer keyboard in order to create reports, schedules and other appropriate documentation

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

While performing the duties of this job, the associate is regularly required to talk or hear and sit. The employee occasionally is required to stand, walk, and use hands to finger, handle, or feel objects.

The associate must occasionally lift and/or move up to 25 lbs.

Specific vision abilities required by this job include close vision and the ability to adjust focus.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

 
About the Organization Arvest Bank is a provider of financial services, our #1 focus is our customers. We are people helping people find financial solutions for life. That is our culture - that is who we are as an organization.





As an employer, our #1 focus is our associates. We offer competitive compensation, comprehensive benefits and an engaging work environment driven by the desire to serve our customers and communities.





With over 315 locations in Arkansas, Oklahoma, Missouri and Kansas, we offer a variety of jobs. Whether you are looking for full-time or part-time employment, Arvest has the opportunity for you.





Arvest is an affirmative action/equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, age, sex, sexual orientation, gender identity, national origin, religion, disability status, protected veteran status or any other characteristic protected by law.





 
EOE Statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, 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.  

This position is currently not accepting applications.

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