Who we are
Bank of the Sierra is currently the largest independent bank headquartered in Tulare County. With a focus on personal service, Bank of the Sierra is positioned as an independent bank serving the financial needs of individuals and businesses, including agriculture and real estate customers, in Fresno, Kern, Kings,Los Angeles, Tulareand Venturacounties. The mission of Bank of the Sierra is, "To provide the highest return on equity to our shareholders consistent with sound banking practices."
The kind of people we are seeking
As a full service bank, Bank of the Sierra looks to fill a variety of positions which require many different skill sets. We hire those who will display strong moral and ethical behavior in day-to-day dealings with individual consumers, businesses, employees, and communities.
What we have to offer
Bank of the Sierra was honored to be chosen as one of the 'Best Companies to Work For in Central California.' Only a small number of organizations in the nation receive this honor and Bank of the Sierra is one of 16 in the Central Valley to make the list.
According to employees, our bank is known for its 'family-like' atmosphere. We offer competitive salaries and benefits packages, professional development through education, tuition reimbursement and promotions.
The generous benefits our eligible employees receive include medical, vision, dental, life, and long-term disability insurance, as well as a 401(k) retirement plan.
Apply online or at any one of our branches.
Current Job Openings
Senior Credit Analyst - Ventura
Ventura - 40 hours
The Senior Credit Analyst develops expertise in evaluating the credit worthiness of individuals and businesses. The Senior Credit Analyst determines the likelihood that a borrower will be able to meet financial obligations and pay back a loan, often by spreading a borrower’s financial statements and reviewing the borrower’s financial history to determine if cash flow conditions will be conducive to satisfactory loan repayment. The Senior Credit Analyst, besides being skilled at financial statement analysis, uses a number of performance metrics when reviewing the financial history of a potential borrower. The Senior Credit Analyst focuses on determining whether the borrower will have sufficient cash flow by comparing borrower performance metrics to industry standards, other borrowers, and historical trends.
- Construct spreads of financial statements, identify credit weaknesses and transaction risks as well as areas where further information must be obtained and analyzed.
- Perform trend analysis and process amendments and waivers in a timely manner to meet customer expectations. Provide performance updates to senior management, identify and act on warning signs.
- Manage portfolio accounts under the direction of the Credit Administrators, develop customer relationships, and help identify new business opportunities in the existing loan portfolio.
- Assist in assessing and grading loans, preparing informational requests for regulatory and internal reports.
- Support Credit Administration to screen and structure prospective loan transactions, conduct due diligence, complete credit authorizations, and work with loan officers to obtain credit approval. Identify credit deficiencies and devise credit structure mitigating factors.
- Develop expertise in assigned industries and demonstrate an ability to conduct research on the industries, companies, and markets that affect the assigned industries.
- Assist in training Credit Assistants, Credit Analysts, and other Senior Credit Analysts.
- May directly interface with Bank customers to accomplish the above tasks.
- Interface with the Loan Operations Center (LOC), other Bank departments, and various Bank Committees to provide information regarding loan portfolio administration and collateral monitoring activities.
- Perform other duties as assigned by the Chief Credit Officer and the Credit Administrators.
May be asked to supervise Credit Assistants, Credit Analysts, and/or other Senior Credit Analysts, as needed.
- Ability to accurately solve problems and exceptional proficiency in data management.
- Ability to establish and maintain effective working relationships with employees, supervisors, executives, and other departments.
- Ability to complete multiple, diverse tasks of differing priorities without close supervision.
- Ability to perform tasks and achieve results with a high degree of accuracy and precision.
- Excellent written and verbal communication skills, with specific ability to translate complex financial information into an organized and presentable manner.
- Excellent administrative and organizational skills.
- Proficiency in the use and application of Microsoft Office (Excel, Word, and PowerPoint.
- Ability to work with specific data management software as required.
- Bachelor's degree (BA or BS) from an accredited four-year university or two to three years related experience and/or training or equivalent combination of education and experience. At least two college level accounting courses is necessary.
- Ability to read, analyze, and interpret financial reports and accounting and regulatory documents. Ability to respond to common inquiries from regulatory, accounting, and outside loan review agencies. Ability to effectively present information to top management both verbally and in writing.
- Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
- Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical form and deal with several abstract and concrete variables.
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