Credit Analyst - Los Angeles, CA
Company: College of Charleston
Location: Los Angeles
Posted on: November 19, 2023
Job Description:
Associates at California Bank & Trust work in a
relationship-centered culture where they are provided with the
tools, training, and opportunities to build the best possible
relationships with our clients and with each other. Our workplace
culture values each associate's unique experiences, background and
perspectives and provides a collaborative environment for all
employees to grow and thrive. As a premier California-focused
financial services company dedicated to serving its communities,
families, and businesses (small, mid-sized and large), CB&T has
been active for 70 years and has more than 80 full-service branch
offices across the state. This dedication has helped the bank earn
recognition as a perennial powerhouse in yearly voting for "Best
Bank" and "Best Commercial Bank" from the readers of San Diego
Union-Tribune and Orange County Register. Additionally, as a
division of Zions Bancorporation, the bank has collected multiple
Greenwich Excellence Awards for "Overall Client Satisfaction" in
Small Business & Middle Market Excellence Awards. We are looking
for a Credit Analyst to provide top notch customer service to our
clients and customers in Los Angeles, CA . If you are passionate
about being part of a community, being a team player, and helping
others reach their financial goals, then we are interested in
speaking with you! Essential Functions:
- 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 2+ years of credit analysis
experience, lending/credit procedures and processes or other
directly related experience. A combination of education and
experience may meet requirements.
- Working knowledge of financial and spread analysis and
credit/lending procedures for less complex loans.
- Full use and application of commercial credit principles,
theories, concepts, and techniques.
- Ability to work with lending officers and staff.
- Solid communication skills, both verbal and written.
- Ability to make sound decisions regarding loans.
- Solid PC skills required. Benefits:
- Medical, Dental and Vision Insurance - START DAY ONE!
- Life and Disability Insurance, Paid Parental Leave and Adoption
Assistance
- Health Savings (HSA), Flexible Spending (FSA) and dependent
care accounts
- Paid Training, Paid Time Off (PTO) and 11 Paid Federal
Holidays, and any applicable state holidays
- 401(k) plan with company match, Profit Sharing, competitive
compensation in line with work experience
- Mental health benefits including coaching and therapy
sessions
- Tuition Reimbursement for qualifying employees enrolled in an
accredited degree program related to the needs of the business,
maximum of $5,250 per calendar year, employees are eligible for the
program upon hire
- Employee Ambassador preferred banking products
- Medical, Dental and Vision Insurance - START DAY ONE! This
position is eligible to earn a base salary in the range of $70,000
- $90,000 annually depending on job-related factors such as level
of experience and location.
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Keywords: College of Charleston, Los Angeles , Credit Analyst - Los Angeles, CA, Professions , Los Angeles, California
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