Credit Associate

City National Bank•Walnut Creek, CA

5d•$35 - $55

About The Position

The Credit Associate is responsible for supporting credit analysis and portfolio management activities. This role involves assisting with credit data analysis, underwriting, and portfolio review activities including facilitating credit risk recommendation. The Credit Associate may be assigned a book of lower-complexity loans and relationships. The Credit Associate collaborates with team members to ensure effective credit operations. The Credit Associate helps maintain high standards of credit quality and compliance. Serve middle market clients – typically privately held companies with annual revenues ranging from $50 million to $2 billion – across a wide range of industries and geographies. Provide customized credit and banking solutions to support working capital needs of clients. Credit Analysis: Performs credit analysis activities to assess creditworthiness of borrowers, guarantors, and sponsors. Performance Monitoring: Performs portfolio management activities to monitor and analyze portfolio performance, including periodic reviews and covenant tracking. Data Analysis: Analyzes credit data, market and industry reports, trendcards, and prepare credit presentations to support underwriting and portfolio management. Risk Management: Supports effective risk management practices, maintaining high standards of credit quality and origination in alignment with Bank’s credit risk appetite, and compliance with institutional and regulatory requirements. Collaboration: Works closely with team members to ensure cohesive and effective credit operations. Participate in ad-hoc projects to support the organization’s priorities. Learning and Development: Demonstrates a strong desire to learn underwriting and portfolio management skills, actively seeking opportunities for professional growth and development, eventually leading to ownership of a portfolio of credits

Requirements

Bachelor's Degree or equivalent in Finance, Business, or related field
2 years minimum progressively increasing credit underwriting and portfolio management experience in relevant industry/industries

Nice To Haves

Intermediate experience in credit management and lending operations, with a strong understanding of risk management principles
Desire to build leadership and coaching skills, with the ability to train and develop talent
Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams
Intermediate analytical skills, with the ability to interpret complex data and make informed decisions
Industry-specific knowledge and expertise

Responsibilities

Serve middle market clients – typically privately held companies with annual revenues ranging from $50 million to $2 billion – across a wide range of industries and geographies.
Provide customized credit and banking solutions to support working capital needs of clients.
Credit Analysis: Performs credit analysis activities to assess creditworthiness of borrowers, guarantors, and sponsors.
Performance Monitoring: Performs portfolio management activities to monitor and analyze portfolio performance, including periodic reviews and covenant tracking.
Data Analysis: Analyzes credit data, market and industry reports, trendcards, and prepare credit presentations to support underwriting and portfolio management.
Risk Management: Supports effective risk management practices, maintaining high standards of credit quality and origination in alignment with Bank’s credit risk appetite, and compliance with institutional and regulatory requirements.
Collaboration: Works closely with team members to ensure cohesive and effective credit operations. Participate in ad-hoc projects to support the organization’s priorities.
Learning and Development: Demonstrates a strong desire to learn underwriting and portfolio management skills, actively seeking opportunities for professional growth and development, eventually leading to ownership of a portfolio of credits

Benefits

Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
Generous 401(k) company matching contribution
Career Development through Tuition Reimbursement and other internal upskilling and training resources
Valued Time Away benefits including vacation, sick and volunteer time
Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
Career Mobility support from a dedicated recruitment team
Colleague Resource Groups to support networking and community engagement

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