Find & Apply For Credit Analyst / Authorizer Jobs in Enid, Oklahoma

About Us Cowboy First Bank proudly serves Enid, Woodward, and the surrounding communities of northwest Oklahoma, with offices in Enid, Woodward, Kremlin, Drummond, and Goltry. We believe in building lasting relationships, making sound lending decisions, and investing in the people and businesses that make our area thrive. Join a team where your work directly supports local businesses, farmers, ranchers, and families. The Role As a Credit Analyst, you'll evaluate the financial strength of commercial, agricultural, and consumer borrowers and give our lenders the analysis they need to make well-informed credit decisions. You'll work closely with loan officers across our branch network and with credit administration, gaining broad exposure to the lending process. What You'll Do Analyze financial statements, tax returns, and credit reports for businesses and individuals Spread financials and calculate key ratios, including debt service coverage, leverage, and liquidity Prepare clear, well-supported credit memos with risk ratings and recommendations Evaluate collateral, including real estate, accounts receivable, inventories, equipment, livestock, and crops, along with guarantor strength and repayment sources Assist in transitioning to new technologies, including AI-driven software Basic Qualifications Experience in accounting, credit analysis, or a related area (recent graduates encouraged to apply) Solid understanding of financial statements and accounting principles Proficiency with Microsoft Excel; experience with spreading software and AI tools is a plus Strong analytical and organizational skills Ability to manage multiple deadlines with strong attention to detail Nice to Have Bachelor's degree in Accounting or a related field Experience working with tax returns Experience with Claude, ChatGPT, or other AI tools Formal credit training Benefits Medical, dental, and vision insurance 401(k) with company match Paid time off and paid holidays Life and disability insurance Professional development and training opportunities Schedule Monday-Friday, 8:00 AM - 5:00 PM How to Apply Submit your resume through Indeed. Qualified candidates will be contacted for an interview. Cowboy First Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or any other characteristic protected by law. Member FDIC.

Benefits:

401(k) 5% Match Dental insurance Flexible spending account Health insurance Life insurance Paid time off

Work Location:

In person