Commercial Analyst

Title:
Commercial Analyst

Location:
Livermore, CA

Hiring salary range: $29.00 - $44.00 per hour

Fremont Bank — one of the Bay Area’s most respected and long‑standing financial institutions — is seeking a strategic, hands‑on professional to join and help advance our Commercial Banking team. This is a high‑impact opportunity to contribute to the success of a mission‑driven organization committed to excellence, community service, and strong client relationships.

If you’re energized by purpose‑driven work, collaboration, and delivering meaningful results, we’d love to connect.

Founded in 1964, Fremont Bank is one of the oldest independently owned banks in the Bay Area and has been consistently recognized as a Top Workplace for the past 15 consecutive years. Our foundation is built on relationships — with our clients, our associates, and our communities.

• A people‑first culture grounded in inclusion and excellence
• Deep community involvement and local reinvestment
• A mission‑driven workplace where values and performance go hand in hand

• Full‑Service Banking with comprehensive financial solutions, advanced technology, and exceptional service
• No‑Compromise Approach — we help clients get to "yes"
• Core Values:
  • Go above and beyond for clients
  • Foster a supportive and empowering environment for associates
  • Deeply invest in the well‑being of our local community

The Commercial Analyst responsibilities include assisting the Commercial Lending team to deliver new loan requests to Credit Administration, support expediting loan closings, support portfolio monitoring and management, and support commercial loan servicing. Responsibilities also include analysis, collection, and control of financial information and legal/entity documentation to complete loan packages for the origination, renewal, monitoring, or servicing of commercial loans. Assist Commercial Relationship Managers / Underwriters / Credit Managers in conducting financial analyses, monitoring key performance indicators, and completing loan credit memos and reports.

A positive, motivated team‑player who works both individually and as part of a high‑performing team to assist in achieving the Commercial Lending Department’s objectives to achieve the goals of on‑time loan delivery, loan monitoring, and servicing internal and external customers with a high level of accuracy and “Six Diamond” service.

The Commercial Analyst may handle communication between Commercial Relationship Managers and clients, internal business partners, and third parties. This is a universal position designed and intended to have the opportunity to rotate between and gain exposure to all aspects and teams within Commercial Lending. This position will learn and master job roles and responsibilities with instruction, education, and oversight from supervisor and/or other experienced associates.

• Analyze financial statements to determine borrower’s cash flow and ability to repay debt, and comply with financial covenants for commercial and/or SBA financing requests
• Analyze financial, operational, management, and market risks to determine strengths and weaknesses of credit requests
• Identify credit issues or challenges early on in the underwriting process and recommend ways to further mitigate risks
• Understand bank credit policy, current bank underwriting guidelines, and current credit appetite
• Prepare loan analysis for initial approval and expression of interest letter (EOI) focused on key risk factors, repayment sources, cash flow, LTV, and ability to service debt

• Support Commercial Relationship Managers and engage borrowers to obtain required data to underwrite and document a loan request
• Understand the purpose and reasoning for each document requested and ensure entity documents are received for loan documentation
• Review preliminary title report for exception items and make recommendation to underwriting to ensure proper lien prioritization for bank
• Review personal and business tax returns and entity documents to support underwriting
• Review bank credit policy, leases, and…