Senior Commercial Credit Analyst
River City Bank · Sacramento, CA · 1 mo ago
Finance$85k–$130k/yrFull-time
About the role
The ideal candidate will have a strong background in financial analysis, credit risk assessment, and commercial and industrial lending.
Responsibilities
- Analyzes and articulates transaction risk and recommends loans for approval for new and existing commercial customers.
- Analyzes borrower financial statements and tax returns for companies and individuals regarding net worth and cash flow and strengths/risks of loan repayment sources.
- Identifies and summarizes risks related to third party reports and collateral valuations.
- Prepares timely and concise formal, written credit recommendations with limited supervision, ensuring complete and accurate information.
- Analyzes industry trends and ensures compliance with current legal requirements.
- Maintains close, professional communication with all bank departments, including Commercial Banking and Loan Center, and clients to ensure the timeliness of the renewal and new loan funding process.
- Serves as the credit analyst for multiple loan transactions at a given time at varying stages of the loan origination process.
- Supports Community Reinvestment Act (CRA) through business development efforts.
- Actively participates in community organizations.
- Maintains a current knowledge of bank regulations. Ensures compliance with all Federal, State and Bank policies, procedures, and regulations.
Qualifications
- Bachelor’s degree from an accredited college
- One to five (typically five to ten for senior analyst) years of experience in credit analysis within a banking/lending environment
Skills
- Knowledge of accounting, financial statement, and cash flow analysis
- Excellent written and verbal communication, presentation, and interpersonal skills
- Excellent organizational skills, with an ability to independently prioritize tasks and multi-task while completing complex transactions
- Strong analytical and problem-solving skills
- Proficient in computers with ability to use standard or specialized computer hardware and software packages, including word processing and spreadsheets in a Windows environment
- Able to consistently interact with clients under varying circumstances while maintaining a professional demeanor
- Effectively communicate with clients over the phone and in person
Benefits
Salary Description: $85,000 - $130,000/year