Senior Credit Analyst – Fresno
- Produces spreads of financial statements, identifies credit weaknesses and transaction risks as well as areas where further information must be obtained and analyzed.
- Timely return of an underwriting memo working in coordination with the Relationship Manager or Business Development Officer to ensure an accurate and clear presentation.
- Performs trend analysis and processes amendments and waivers in a timely manner to meet customer and Bank expectations. Provides performance updates to senior management, identifying and acting on warning signs.
- May be asked to develop expertise in evaluating and approving the credit worthiness of small businesses and consumers applying for small business and consumer loans.
- May be asked to utilize the Bank’s on-line small business and consumer loan systems to underwrite and approve small business and consumer loan applications.
- Manages loan portfolio accounts under the direction of the Credit Administrators, develops customer relationships, and helps identify new business opportunities in the existing loan portfolio.
- Assists in assessing and grading loans and preparing informational requests for regulatory and internal reports.
- Supports Credit Administration to screen and structure prospective loan transactions, conduct due diligence, complete credit authorizations, and work with loan officers to obtain credit approval. Identifies credit deficiencies and devises credit structure mitigating factors.
- Develops expertise in assigned industries and demonstrates an ability to conduct research on the industries, companies, and markets that affect the assigned industries.
- May directly interface with Bank customers to accomplish the above tasks.
- May Assists in creating, assembling, and distributing monthly and quarterly loan portfolio reports for presentation to SLC, OLC, and the Board of Directors.
- Assists in the preparation of special reports and in the completion of special projects by collecting, analyzing, and summarizing loan portfolio information for various departments including Accounting, Treasury, and Credit Administration.
- Interfaces with the Loan Service Center (LSC), other Bank departments, and various Bank Committees to provide information regarding loan portfolio administration and collateral monitoring activities.
- Performs other duties as assigned by the Chief Credit Officer, Deputy Chief Credit Officer, and the Credit Administrators.
May be asked to supervise Credit Assistants, Credit Analysts, and/or other Senior Credit Analysts as needed.
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 individuals with disabilities to perform the essential functions.
- 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.
- Higher level analyst positions and grades require a Bachelor degree from an accredited four-year college and one to two years of related experience and/or training or equivalent combination of education and experience. In all cases, at least two college level accounting courses is a requirement.
- 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, loan underwriting, loan approval, and data management computer software as required.
- 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.