Senior Credit Analyst

First Northern Bank of Dixon•Sacramento, CA

5d•$32 - $36•Onsite

About The Position

The Senior Credit Analyst independently conducts detailed financial analysis and risk assessments for new and existing borrowers, guarantors, and collateral. Working with minimal supervision, this role evaluates financial statements, identifies key trends, and provides critical insights to support the lending and underwriting teams. The Senior Credit Analyst also serves as a mentor, guiding and helping develop the other Credit Analysts.

Requirements

Analytical Skills – ability to analyze and solve problems; strong critical thinking skills
Judgement – ability to exercise independent, sound, and accurate judgment in decision making; exercise personal and professional responsibility while working with limited direction
Planning and Organizing – strong organizational and time management skills; can adapt to changes in the work environment and manage competing demands
Productivity – meet productivity standards by using time efficiently; prioritize and plan work activities; sense of urgency around deadlines and commitments
Discretion – maintain confidentiality of sensitive information
Quality – demonstrate accuracy and thoroughness; commitment to excellence and high standards
Quantity – strive to increase productivity, complete work in a timely manner and consistently meet productivity standards
Reliable – complete tasks on time or notify appropriate person with an alternate plan
Teamwork – maintain a positive working relationship with your team members; listen, get clarification, and respond well to questions
Customer Service – respond to requests for service and assistance; meet commitments made to internal and external customers
Compliance – consistently adhere to Bank policies and regulations, reinforce training to ensure that Bank employees are aware of UDAAP and do not harm consumers with any act that could be misleading, unfair, deceptive, or abusive in act or practice
Leadership & Mentorship – Ability to train, coach, and develop other analysts
High school diploma or GED required
A minimum Three years’ experience in a credit-related field with a strong understanding of the differences between cash, accrual, and tax accounting required.
Proficiency in Microsoft Excel or comparable spreadsheet software and Microsoft Word or comparable word processing software

Nice To Haves

A minimum of two semesters of college-level courses in finance, accounting or similar field preferred
Experience with a loan origination system such as Abrigo or similar (e.g. CreditQuest, nCino, Moodys) preferred

Responsibilities

Spread financial statements, tax returns, and other financial data in a consistent and meaningful manner for submission to Credit Administration
Interpret financial trends, ratios, and pro forma statements to evaluate performance and assess risk
Assess the cash flow, collateral, management, and industry of the borrowers and guarantors
Test loan covenants to ensure compliance with the terms of the credit agreements
Contact borrowers or their agents regarding loan applications, obtaining financial information, or asking follow-up questions related to new or existing loans
Research market, industry, and collateral information provided by borrowers or their agents
Communicate and collaborate with internal and external customers in a professional and timely manner
Ability to appropriately use all banking principles, terminology, and credit risk fundamental in their daily tasks
Comply with all applicable Banking compliance rules and regulations established by both internal departments and external agencies