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Credit Analyst Full-time

at Golden Pacific Bank, NA in California (Published at 20-09-2019)

Golden Pacific Bank, NA is a Sacramento-headquartered community bank serving the region?s business community. We are dedicated to delivering financial solutions to our local commercial customers. The bank is seeking a qualified credit analyst to support its lending team.

This position reports to the Credit Administrator and supports the team in compiling, reviewing and analyzing financial data (in both SBA and conventional lending). Essential Duties and Responsibilities:

  • Review loan applications, spread financial statements, perform initial underwriting and evaluation of the risk involved in extending credit to new and existing borrowers.
  • Perform cash flow, collateral, and sensitivity analyses in evaluating prospects for loan repayment.
  • Compare liquidity, profitability, and credit histories of borrowers being evaluated with those of similar establishments in the same industries and geographic locations.
  • Perform reviews of existing relationships and recommend risk rating changes as applicable.
  • Test and monitor borrower compliance with financial covenants and borrowing bases.
  • Assist the lending team with special projects to aid in the continuous improvement of the bank?s loan portfolio.
  • Requires excellent written and oral communications skills; strong analytical and problem solving skills; active listening skills; attention to detail; ability to effectively interact with individuals and groups at all organization levels; and ability to work independently and as part of a team.

Knowledge & Skills:

  • Understanding of accounting and cash flow fundamentals is essential.
  • General knowledge of commercial credit and lending concepts, practices and banking regulations is desirable.
  • Consistently demonstrates ability to make complex decisions and sound business judgments regarding business and lending activities.
  • Strong organizational skills with the ability to self-manage time and work flow to meet deadlines.
  • Skilled in the analysis of financial statements, tax returns and cash flows of commercial real estate and C&I companies. Knowledge of financial statement spreading, including proficiency in Moody's or other software package is desirable.

Golden Pacific Bank offers a competitive salary and benefits packages commensurate with experience level. See www.goldenpacificbank.com for more information.

Job Type: Full-time

Salary: $3,000.00 to $5,000.00 /month

Experience:

  • relevant: 1 year (Preferred)

Work Location:

  • One location

Benefits:

  • Health insurance
  • Dental insurance
  • Vision insurance
  • Retirement plan
  • Paid time off

Schedule:

  • Monday to Friday
  • 8 hour shift

Company's website:

  • www.goldenpacificbank.com


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