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Credit Analyst
Zions Bancorporation
Irvine, CA, United States
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Description
California Bank & Trust, a division of Zions Bancorp, is hiring for Commercial Credit Analyst in Irvine, CA. The successful incumbent will perform the following essential position requirements:
• Conducts credit investigations and analyzes credit information pertaining to loans.
• Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
• Analyzes financial statements and related material.
• Analyzes financial conditions and trends.
• Reviews and reports non-compliance with loan covenants.
• Determines cash flow using appropriate tax analysis.
• Prepares summaries, presents facts, and offers opinions concerning credit-worthiness.
• Provides credit information and references for customers, loan officers, or other agencies as requested.
• May provide rates and loan information to clients.
• Ensures that all credit files include proper documentation including current financial statements, agency reports, etc.
• Maintains control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed.
• Writes credit memorandums.
• Accompanies lenders on business calls.
• Conducts industry research.
• Assists with special projects as assigned.
Qualifications
What you bring to the table:
• Requires a Bachelors degree in Finance or a related field and 4+ years of credit analysis experience including 1 year working with complex or specialized credits including helping to define the structure and pricing of the loan and making projects regarding the long term profitability of the loan.
• A combination of education and experience may meet requirements.
• Extensive knowledge of financial and spread analysis and credit/lending procedures for very complex loans.
• Broad application of commercial credit principles, theories, and concepts in applicable discipline, plus extensive knowledge of other related fields.
• Working knowledge of various types of loans.
• Ability to work with lending officers and staff.
• Solid communication skills, both verbal and written.
• Ability to make sound decisions and recommendation regarding loans.
• Strong PC skills required.
Benefits:
• Health / Dental / Vision plan
• Career advancement opportunities from within / paid training opportunities
• 401 k plan with up to 5 % matching – no waiting period for new employees
• Competitive pay commensurate with experience