Credit Analyst

CREDIT ANALYST I - Commercial Real Estate

The Credit Analyst is an entry‑level position responsible for supporting credit analysis and portfolio management activities. This role involves assisting with credit underwriting and portfolio review activities. The Credit Analyst will learn how to analyze credit data, prepare reports, conduct periodic portfolio reviews, and other activities required to underwrite and manage a portfolio of credits. The Credit Analyst is expected to have a strong desire to learn underwriting and portfolio management skills, helping to maintain high standards of credit quality and compliance.

• The Commercial Real Estate Credit team provides underwriting and proactive portfolio management expertise to the Bank’s CRE clients, including private individuals, family offices, institutional funds, investors, and developers.
• Colleagues partner across numerous bank lines and divisions to provide tailored CRE lending solutions to clients, while proactively identifying risk on new and existing credits within the portfolio through a combination of internal and external resources.
• CRE portfolio includes a variety of loan products secured or supported by varying asset types.
• Credit Analysis:
  Performs credit analysis activities to assess creditworthiness of borrowers, guarantors, and sponsors.
• Performance Monitoring:
  Performs portfolio management activities to monitor and analyze portfolio performance, including periodic reviews and covenant tracking.
• Data Analysis:
  Analyzes credit data, market and industry reports, trend cards, and prepares credit presentations to support underwriting and portfolio management.
• Risk Management:
  
  Supports effective risk management practices, maintaining high standards of credit quality and origination in alignment with the Bank’s credit risk appetite, and compliance with institutional and regulatory requirements.
• Collaboration:
  
  Works closely with team members to ensure cohesive and effective credit operations. Participates in ad‑hoc projects to support the organization’s priorities.
• Learning and Development:
  Demonstrates a strong desire to learn underwriting and portfolio management skills, actively seeking opportunities for professional growth and development.

• Bachelor’s Degree or equivalent in Finance, Business, or a related field

• Desire to learn about credit management, lending operations, and risk management principles
• Strong communication and collaboration skills
• Analytical skills, with an interest in learning how to interpret complex data and make informed decisions

Starting base salary: $25.93 - $41.43 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

• Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following the start date
• Generous 401(k) company matching contribution
• Career Development through Tuition Reimbursement and other internal upskilling and training resources
• Valued Time Away benefits, including vacation, sick and volunteer time
• Specialized health and family planning benefits, including fertility benefits, and cancer, diabetes and musculoskeletal support programs
• Career Mobility support from a dedicated recruitment team
• Colleague Resource Groups to support networking and community engagement

Get a more detailed look at our Benefits and Perks.

Since day one we’ve always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America’s leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at About Us.

City National Bank fosters an inclusive environment where all forms of diversity are…