Commercial Credit Analyst

Fremont Bank•Livermore, CA

1d•$34 - $46

About The Position

The Commercial Credit Analyst analyzes financial information and legal-entity documentation for the origination and renewal of small business loans processed through the bank’s small business credit scoring model. The analyst presents conclusions in high-level loan credit memoranda and contributes to timely loan delivery, loan monitoring, and accurate, service-oriented support for internal and external customers. The role works independently and collaboratively as part of the Commercial Lending Department and credit administration team.

Requirements

Some college-level coursework in business, finance, or accounting.
At least two years of previous banking experience in administrative or analytical support.
Strong verbal and written communication skills, including the ability to present at meetings.
Ability to deliver excellent service to teammates, sales staff, and customers.
Ability to work in a fast-paced environment while producing accurate, high-quality work.

Nice To Haves

Understanding of global cash flow and business cash flow.
Experience with business financial statements and spreading software.

Responsibilities

Run and analyze personal credit reports.
Spread tax returns and business financial statements.
Analyze personal financial statements.
Collect and control financial information and legal-entity documentation for loan origination packages, coordinating with internal business partners and third parties.
Review borrower credit, including credit reports, personal and business financial statements, personal and business tax returns, and schedules of real estate owned.
Assist in monitoring portfolio-loan performance indicators through annual loan reviews.
Process commercial credit card applications.
Work with retail branches and private bankers to establish relationships with new business clients and develop existing client relationships.
Follow bank credit policy, current underwriting guidelines, and current credit appetite.
Participate proactively in credit administration from loan inception through closing.
Complete special projects requested by management and other assigned duties.

Benefits

Medical, dental, and vision insurance.
Flexible Spending Accounts, including dependent care and Health Savings Accounts.
Employee Stock Ownership Plan (ESOP).
401(k) with employer match.
Performance-based bonuses or incentives.
Paid holidays, vacation, and sick time.
Free personal checking and savings accounts.
Home loan rate discounts.
Tuition reimbursement and professional development resources.
On-site gym and discounted health club memberships.
Employee Assistance Program (EAP).