2027 Commercial Banking Development Program - Credit Analyst - Pleasanton, CA - C&I General Industries Banking
About The Position
The 2027 Commercial Banking Development Program - Credit Analyst role is within the C&I General Industries Banking team, which focuses on growing a portfolio of existing and prospective clients with both treasury management banking services and various types of lending. This team targets lower middle market and middle market companies with a typical revenue target of $20MM+. As a Credit Analyst, you will be primarily responsible for spreading, managing, and maintaining financial background information on present and prospective customers. You will develop credit studies for Loan Officers, the Chief Credit Officer, and other Executive Management. Your responsibilities include managing spread assignments, conducting financial analyses, and maintaining related records and files. A key part of this role is the preparation of a variety of credit department reports. You will support the Credit Administration team in analyzing credit and collateral information to determine the risk involved in lending money to customers. This involves collecting, organizing, and analyzing company financials to ensure Bank compliance and updating the Bank’s systems accordingly. You will also work directly with clients to resolve compliance issues and operational inquiries, review client financials, and perform sensitivity analysis to evaluate credit risk in connection with Bank structures. The role requires preparing in-depth reports with plans of action based on qualitative and quantitative research, collaborating cross-functionally with Bank groups to execute treasury management products, foreign exchange instruments, derivatives, and legal documents. You will produce loan packages for new and restructured loans, facilitate reporting and requests on behalf of the Bank with third parties (e.g., field auditors, appraisers), and monitor loan disbursements to ensure compliance with Bank regulations.
Requirements
- Completion of an Accounting course.
- Bachelor's degree or equivalent experience required.
- GPA of 3.0 or higher is required.
- Strong analytical, conceptual, communication, leadership, and organizational skills.
- An interest in working in Commercial Banking.
- Ability to self-motivate and work productively without supervision.
- Entry level speaking and writing communications skills.
Responsibilities
- Spread, manage and maintain financial background information on present and prospective customers.
- Develop credit studies for the Loan Officers, Chief Credit Officer and other Executive Management.
- Manage spread assignments, conduct financial analyses, and maintain related records and files.
- Prepare a variety of credit department reports.
- Support the Credit Administration team in analyzing credit and collateral information to determine risk involved in lending money to customers.
- Collect, organize, and analyze company financials to ensure Bank compliance, and update the Bank’s systems accordingly.
- Work directly with clients to resolve compliance issues and operational inquiries.
- Review client financials and perform sensitivity analysis to evaluate credit risk in connection with Bank structures.
- Prepare in-depth reports providing plans of action based on qualitative and quantitative research.
- Collaborate cross-functionally with Bank groups to execute treasury management products, foreign exchange instruments, derivatives as well as legal documents.
- Produce loan packages for new and restructured loans.
- Facilitate reporting and requests on behalf of the Bank with third parties, e.g. field auditors, appraisers, etc.
- Monitor loan disbursements to ensure compliance with Bank regulations.
Benefits
- Competitive salaries
- Ownership stake in the company
- Medical and dental insurance
- Time off
- 401k matching program
- Tuition assistance program
- Employee volunteer program
- Wellness program
- Opportunity to bolster business knowledge
- Learning the ins and outs of how successful companies operate and manage their finances
- Invaluable hands-on experience to help grow your career
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Entry Level
