Credit Analyst - Senior

BANK OF MARIN • Napa, CA

64d • $37 - $50

About The Position

Bank of Marin, voted by our employees as one of the 'Best Places to Work' in the North Bay Business Journal, is seeking a Senior Credit Analyst to join our Napa Commercial Banking Office in Napa, California. In a team-oriented environment, this position maintains a high degree of customer service by supporting loan management, credit approval, and loan documentation with timely and accurate processing of customer financial information, information requests. With guidance/oversight from senior lenders, underwrite, recommend for approval, and document moderately complex commercial and commercial real estate transactions.

Requirements

• 3 – 5 years related experience and/or training.
• Bachelor's degree (B.A.) from four-year college or university; three to five years related experience and/or training; or equivalent combination of education and experience.

Responsibilities

• Accurately identify and assess the strength of the primary and secondary sources of repayment for simple commercial and commercial real estate credits.
• Accurately identify and assess key credit risks, and the factors that mitigate these risks sufficient to recommend approval of loan commitment for simple commercial and commercial real estate credits.
• Recommend and support credit structures that monitor and mitigate key credit risk factors for simple commercial and commercial real estate credits.
• Using published underwriting guidelines, accurately underwrite and recommend simple personal and business credits for approval/decline.
• Articulate credit recommendations by accurately completing the bank-standard Credit Recommendation Form.
• Order appraisals and valuations as appropriate.
• Support loan officers with partial preparation of moderately complex Credit Recommendation and special Action Credit Report forms.
• Prepare for customer and prospect calls and accompany loan officers on these calls to gather information pertinent to the credit decision.
• Prepare escrow instructions.
• Independently and accurately order title research documents such as UCC filings, preliminary title reports, etc.
• Order and interpret credit background information such as Equifax, D&B reports, etc.
• Order documentation for approved credit actions.
• Utilize loan accounting system to research loan activity.
• Maintain tickler database and, in coordination with Branch contacts, prepare customer correspondence requesting financial information prior to credit expirations.
• Using analytical abilities and established spreading guidelines, accurately translate basic financial reporting of business and personal entities into bank-standard format for further analysis.
• Support loan officers by offering interpretation and analysis of financial reporting documents, including evaluation of cash flow, balance sheet metrics (e.g. working capital, leverage, etc.) as it pertains to repayment sources.

Benefits

• Comprehensive health care coverage
• Retirement savings plan with employer matching opportunity
• Bank paid employee stock ownership plan
• Tuition reimbursement
• Employee volunteer program

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Bachelor's degree
• Number of Employees: 251-500 employees