Commercial Credit Analyst

INTRODUCTION

We welcome you to join our Chino Commercial Bank Team!

We are currently looking to fill several Commercial Credit Analyst positions. We are looking for individuals who are passionate, driven, collaborative, and solutions oriented.

We are dedicated in creating a championing environment where you can grow and thrive.

Our Mission is to provide exceptional customer service to make a difference in the lives of our customers and communities.

The position of Commercial Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. This employee must maintain compliance within audit, internal controls, security, BSA, CTR standards

1. Assists loan officers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.

2. Assists loan officers in gathering data from customers, internal and outside sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns; contacts customers for additional information and clarification of data.

3. Compiles data from credit bureaus, conducts industry peer comparisons, performs cash flow analyses and other such tasks and comparisons.

4. Writes financial reviews and reports; makes recommendation on loan structures and terms to loan officers.

5. Assists loan officers in coordinating processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans.

6. Informs loan officers when up-to-date financial statements are needed; ensures credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved

7. Assist loan officers in the review and renewal of credit facilities; provides back-up support.

8. Checks pledged assets as requested by loan officers.

9. Assists with on-going computerization of the loan review function.

10. Assists loan officers in verification of funds with mortgage companies and contractors.

11. Develops knowledge of financial industry, economy, market conditions, rates, vendors and competition.

12. May represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business.

13. Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.

14. Assists in providing deposit and loan account ratings for loan officers.

15. Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.

16. Operates computer terminal or personal computer to obtain and process data.

17. Answers telephones, answers questions and directs callers to proper Bank personnel.

• Associate’s degree (AA) or equivalent from a two year college or technical school; or four years related experience and/or training; or the equivalent combination of education and experience.
• Work related experience should consist of a financial analyzing or lending background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
• Experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
• Knowledge of commercial, construction, real estate and consumer loan processing.
• Ability to read, analyze and interpret general business…