Senior Commercial Credit Analyst

River City Bank•Sacramento, CA

About The Position

We are seeking a highly skilled Senior Commercial Credit Analyst to join our team. The ideal candidate will have a strong background in financial analysis, credit risk assessment, and commercial and industrial lending. As a Senior Commercial Credit Analyst, you will be responsible for analyzing financial data, assessing creditworthiness, and making recommendations on credit limits and terms. In collaboration with Relationship and Portfolio Managers, the Senior Commercial Credit Analyst analyzes borrower financial information; prepares and presents formal written loan presentations for approval by Credit Management on new and existing loan transactions for mid-size to large companies with revenues exceeding $5 million; conducts ongoing financial analysis and credit monitoring on transactions within Bank’s loan portfolio.

Requirements

Bachelor’s degree from an accredited college
One to five (typically five to ten for senior analyst) years of experience in credit analysis within a banking/lending environment
Knowledge of accounting, financial statement, and cash flow analysis
Excellent written and verbal communication, presentation, and interpersonal skills
Excellent organizational skills, with an ability to independently prioritize tasks and multi-task while completing complex transactions
Excellent attention to detail
Strong analytical and problem-solving skills
Proficient in computers with ability to use standard or specialized computer hardware and software packages, including word processing and spreadsheets in a Windows environment
Ability to consistently interact with clients under varying circumstances while maintaining a professional demeanor
Effectively communicate with clients over the phone and in person

Responsibilities

Analyzes and articulates transaction risk and recommends loans for approval for new and existing commercial customers. Loan types include, but are not limited to, working capital lines of credit, asset-based lines of credit, equipment loans, and owner-occupied real estate loans.
Analyzes borrower financial statements and tax returns for companies and individuals regarding net worth and cash flow and strengths/risks of loan repayment sources.
Identifies and summarizes risks related to third party reports and collateral valuations.
Prepares timely and concise formal, written credit recommendations with limited supervision, ensuring complete and accurate information.
Analyzes industry trends and ensures compliance with current legal requirements.
Monitors borrower financial performance in line with commercial loan documents; spreads financial statements ensuring resulting covenant calculations are accurate, complete, and adhere to approval conditions and loan documentation. Collaborates with Relationship Manager and Portfolio Manager to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner.
Maintains close, professional communication with all bank departments, including Commercial Banking and Loan Center, and clients to ensure the timeliness of the renewal and new loan funding process.
Serves as the credit analyst for multiple loan transactions at a given time at varying stages of the loan origination process.
Supports Community Reinvestment Act (CRA) through business development efforts. Actively participates in community organizations.
Maintains a current knowledge of bank regulations. Ensures compliance with all Federal, State and Bank policies, procedures, and regulations.
Other duties as assigned.