Credit Analyst - Wine

First Citizens Bank • Santa Rosa, CA

5d • Hybrid

About The Position

The Credit Analyst provides support to the credit sales organization, vendor partners, and senior management by underwriting and adjudicating commercial credit applications within the Wine Division. The role reviews private and publicly available information and conducts low-complexity risk assessments of commercial borrowers, analyzing customer and prospective-customer financial statements, performance, and internal payment history as needed. The analyst adjudicates opportunities within individual lending authority and recommends decisions that exceed delegated authority.

The position may be filled at Credit Analyst level I or II, depending on the selected candidate’s skills and experience. It is hybrid, with work regularly taking place both inside and outside a company office.

Requirements

• Bachelor’s degree and 0–2 years of experience in credit analysis, banking, or the financial industry; or a high school diploma or GED and 4–6 years of experience in credit analysis, banking, or the financial industry.
• Skills in data analysis, banking regulations and compliance, commercial loans, and credit analysis.

Nice To Haves

• Finance and/or accounting degree.
• Strong communication and business-writing skills.
• Enjoys working in a fast-paced team environment.
• Experience with Microsoft Office, especially Word and Excel.

Responsibilities

• Source, compile, spread, and interpret commercial and natural-person financial information to assess business-client creditworthiness.
• Analyze quantitative and qualitative factors that affect credit.
• Assist in analyzing loan processes for accuracy and efficiency, and communicate analysis findings effectively.
• Provide analytical insight and technical support to lending activities, and develop industry, data, and credit knowledge to serve as a resource to associates.
• Recommend process improvements and risk-mitigation strategies identified through data trends.
• Obtain and monitor financial documentation from borrowers and prospective borrowers for analysis.
• Ensure financial documentation is accurate, complete, and consistent, and begin developing a COI ecosystem.
• Produce reports based on analysis, key loan metrics, and credit relationships.
• Identify and communicate trends that indicate risk or credit issues.
• Adjudicate opportunities within individual lending authority and recommend decisions beyond established delegated authority.

Benefits

• Benefits program described as competitive, thoughtfully designed, and intended to meet associates’ needs.
• Total compensation may include variable incentives, bonuses, benefits, and/or other awards.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level