Credit Analyst

Banner Bank • San Diego, CA

4d • $30 - $40

About The Position

As a Credit Analyst, you help the bank make sound, responsible lending decisions that support its clients and communities. Your analysis and insights help balance growth with risk and ensure that credit decisions are thoughtful, compliant, and well supported. The role offers an opportunity to deepen financial expertise while working alongside experienced banking professionals.

You investigate credit and financial information for prospective and existing commercial clients; analyze financial statements, tax returns, cash flow, collateral, and repayment sources; and prepare credit approval materials for loan decision makers. You support new, renewed, and existing loan requests ranging from simple to moderately complex, and ensure your work complies with internal policies, procedures, security requirements, and applicable regulations.

Requirements

• Bachelor’s degree in Accounting, Business, Economics, Law, Computer Science, or a related field; an equivalent combination of education and experience may be considered in lieu of a degree.
• Two or more years of related credit or financial analysis experience.

Nice To Haves

• Comfort analyzing financial statements, tax returns, and cash flow, with a strong grasp of basic accounting principles.
• Solid analytical thinking and sound judgment in credit investigations.
• Ability to manage high volumes of work accurately while adapting to shifting priorities in a deadline-driven environment.
• Clear and professional written and verbal communication.
• Understanding of federal and state regulations related to commercial lending.
• Proficiency in Excel, Word, and other applicable systems.

Responsibilities

• Investigate credit and financial information for prospective and existing commercial clients.
• Analyze business and personal financial statements, tax returns, cash flow, collateral, and sources of repayment.
• Prepare credit approval packages, spreadsheets, summaries, and written analyses for loan decision makers.
• Support new, renewed, and existing loan requests ranging from simple to moderately complex.
• Ensure all work complies with internal policies, procedures, security requirements, and applicable regulations.

Benefits

• Annual incentive potential.
• Comprehensive employee benefits, including medical, dental, vision, LTD, STD, and life coverage.
• Paid vacation time, sick time, and 11 company-paid holidays.
• 401(k) with up to 4% match.
• Tuition reimbursement.

What This Job Offers

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