Credit Analyst

$35 - $45 per hour | Los Angeles, CA | On-site | Consulting

Our client is a growing commercial lender in Los Angeles that serves small and mid-sized businesses and commercial real estate investors. They're adding a Credit Analyst to their credit team to support underwriting, portfolio monitoring, and loan committee decisions across a growing pipeline.

• Medical Benefits + 401k
• Great office culture

• Underwrite new commercial loan requests by spreading business and personal financial statements and tax returns, and analyzing global cash flow, DSCR, leverage, liquidity, and collateral coverage
• Write clear credit memoranda that evaluate repayment capacity, risk factors, and mitigants, with recommended structure and risk ratings for loan committee
• Build and maintain Excel financial models and loan sizers, including projections, stress testing, and sensitivity analysis to quantify downside risk
• Evaluate CRE and owner-occupied collateral using appraisals, comparable sales, and market data to support LTV and collateral analysis
• Monitor an assigned loan portfolio through annual reviews, covenant compliance checks, and risk rating updates, and flag early signs of credit deterioration
• Make sure loans meet internal credit policy and documentation requirements, working alongside the lending, closing, and servicing teams
• Prepare portfolio and concentration reporting for senior management and the board, and help automate recurring reports where possible
• Work with loan officers, borrowers, and third parties (appraisers, CPAs, attorneys) to gather due diligence and resolve open credit items
• Support internal audit and regulatory examinations as needed

• Bachelor's degree in Finance, Accounting, Economics, or a related field;
  Master's in Finance, Business Analytics, or MBA preferred
• 2+ years of credit analysis or underwriting experience at a bank, commercial lender, or CRE lending/advisory firm
• Hands-on experience with financial spreading, tax return analysis (1040, 1065, 1120/1120S), global cash flow, and DSCR calculations
• Strong credit memo writing and the ability to present a clear recommendation to credit committee
• Advanced Excel skills (financial modeling, lookups, pivot tables)
• Exposure to CRE lending, appraisals, or real estate valuation
• Detail-oriented, organized, and comfortable managing multiple deals on deadline

• Experience with loan origination or credit systems (Credit Quest, Lending Cloud, nCino, Sageworks/Abrigo)
• SQL, Power BI, or Tableau for portfolio reporting
• Progress toward CFA, or credit training such as RMA or CBCA

Jobot is an Equal Opportunity Employer. We provide an inclusive work environment that celebrates diversity and all qualified candidates receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. Jobot also prohibits harassment of applicants or employees based on any of these protected categories.

It is Jobot’s policy to comply with all applicable federal, state and local laws respecting consideration of unemployment status in making hiring decisions.

Sometimes Jobot is required to perform background checks with your authorization. Jobot will consider qualified candidates with criminal histories in a manner consistent with any applicable federal, state, or local law regarding criminal backgrounds, including but not limited to the Los Angeles Fair Chance Initiative for Hiring and the San Francisco Fair Chance Ordinance.