Senior Credit Analyst II

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Full Time Professional Atascadero, CA, US

Salary Range: $97,650.00 To $ Annually

The position of Senior Credit Analyst II is responsible for performing in-depth, thorough financial and collateral analysis and investigation of the credit worthiness of prospective and current clients, which includes ensuring that requested loans conform to Bank’s lending policies and procedures and generally accepted underwriting practices that are a necessary component of creating a safe and sound loan. Supports lenders in collection and analysis of loan application data;

guides the loan underwriting process from the time when loans requests are assigned to the time they are approved and is typically responsible for analysis of the most complex credit requests; prepares credit related reports and summaries for presentation to loan officers and/or loan committee.

Duties & Responsibilities:

• Primarily serves as credit analyst for various lenders and independently performs detailed credit analysis of complex credit requests utilizing financial spreads to determine financial strength.
• Evaluates business plans, projections, operating records, and financial statements.
• Effectively communicates information and analytical results to various lenders and senior management.
• Analyzes historical financial information and projections to determine present and future financial performance. Assesses credit situations from all relevant angles to derive appropriate credit recommendations.
• Review and identify risks/mitigants associated with 3 rd party due diligence reports including but not limited to appraisals, construction cost analysis reports, industry reports, and environmental reports such as Veracheck’s and Phase I’s.
• Generates and compiles Credit Action Reports and Credit Memorandums to be submitted for Loan Approvals.
• Identifies loan policy exceptions, loan pricing deviations, and strengths and weaknesses of relationships; generates and recommends risk ratings.
• Interprets and applies Bank policies, governmental legislations, accounting theory, and/or consumer financial regulations.
• Provides general guidance and direction to other credit analysts.
• May participate on client calls and site inspections with loan officers.
• Responsible for assisting with structuring complex transactions, developing credit recommendations, and determining appropriate loan covenants and reporting requirements to monitor credit risk.
• Performs annual reviews required for complex credit relationships.
• Provides support to loan officers on specific loan situations and calls credit issues to their attention.
• May assist with special projects in the Credit Administration/Lending Departments as needed.
• Attend and take meeting minutes for Director’s Loan Committee and Management Loan Committee meetings.
• May assist loan officers with tracking and monitoring financial reporting ticklers and loan covenants.
• Become proficient in all underwriting aspects of Sageworks including spreading financial statements, pulling credit reports, generating Credit Action Reports, and utilizing Sageworks Workflows to ensure underwriting turnaround times are within the Bank’s internal service standards.

General:

• Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
• Completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the Bank through outside activities.
• Comply with all applicable OSHA safety standards, including:
• Read the workplace safety and health poster at the jobsite.
• Report hazardous conditions to your supervisor and/or HR
• Report any job-related injury or illness to your supervisor and/or HR, and seek treatment promptly.

Compliance

• Complies with all bank policies and procedures and all applicable government regulations including all applicable general lending regulations, staying current and knowledgeable of all policies, procedures and…