Credit Analyst - Senior
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 North Bay Commercial Banking Office based in Novato, California. In a team environment, maintain a high degree of customer service by supporting loan management, credit approval, and loan documentation with timely and accurate processing of customer financial information and 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
- With guidance/oversight from senior loan officers: Simple commercial and commercial real estate credits.
- Accurately identify and assess the strength of the primary and secondary sources of repayment.
- 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.
Benefits
- comprehensive health care coverage
- a retirement savings plan with employer matching opportunity
- bank paid employee stock ownership plan
- tuition reimbursement
- employee volunteer program
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What This Job Offers
Job Type
Full-time
Career Level
Senior
