Credit Analyst

This is a fully remote position, open to applicants in California, +1 more state.

📋 Description

• Conduct investigations into credit and financial data for both prospective and current commercial clients.

• Evaluate business and personal financial documents, including financial statements, tax returns, cash flow, collateral, and repayment sources.

• Create credit approval packages, spreadsheets, summaries, and written analyses for loan decision-makers.

• Assist with new, renewed, and existing loan applications, which may vary from simple to moderately complex.

• Ensure that all tasks adhere to internal policies, procedures, security standards, and relevant regulations.

• Aid the bank in making prudent and responsible lending choices that balance growth with risk management.

• Collaborate with seasoned banking professionals.

⛳️ Requirements

• A Bachelor’s degree in Accounting, Business, Economics, Law, Computer Science, or a similar field (Required).

• An equivalent combination of education and experience may be accepted in place of a degree.

• At least two years of relevant credit or financial analysis experience (Required).

• Proficient in analyzing financial statements, tax returns, and cash flow, with a solid understanding of basic accounting principles.

• Strong analytical skills and sound judgment.

• Capable of managing a high volume of work accurately while adjusting to changing priorities in a deadline-oriented environment.

• Excellent written and verbal communication skills, maintaining professionalism.

• Knowledge of federal and state regulations pertaining to commercial lending.

• Proficient in Excel, Word, and other relevant systems.

🏝️ Benefits

• Potential for annual incentives.

• Comprehensive employee benefits package, including medical, dental, vision, long-term disability, short-term disability, and life insurance.

• Paid vacation and sick leave, along with 11 company-paid holidays.

• 401(k) plan with a matching contribution of up to 4%.

• Tuition reimbursement program.