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Credit Analyst - Part Time
Zions Bancorporation
El Cajon, CA, United States
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Description
California Bank and Trust, a leader amongst banks in California with over $10 billion in assets and nearly 100 branch offices in the state, is currently seeking a Credit Analyst to conduct credit investigations and analyzes credit information. California Bank & Trust prides itself on creating California’s best banking relationships and to do this we must continue to build a team of intelligent contributors who can add value to our clients’ businesses and build deep roots in the communities we serve.
Position Responsibilities:
• 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
• Requires a Bachelor's 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, concepts, and techniques in applicable discipline, plus extensive knowledge of other related fields.
• Ability to work with lending officers and staff.
• Solid communication skills, both verbal and written.
• Ability to make sound decisions and recommendations regarding loans.
• Strong PC skill required.
Benefits:
• Health/ Dental /Vision plan
• 401 k plan with up to 5 % matching – no waiting period for new employees
• Competitive pay commensurate with experience
• Promotional Opportunities
• Stable Employer