Credit Analyst

Exchange Bank•Santa Rosa, CA

About The Position

Summary: Provide credit analysis of commercial loans of varying degrees of complexity. Gathers and analyzes financial data associated with lending and credit products. Reviews borrower's payment history along with liabilities, earnings, and assets they possess, looking for indicators that borrower might present a level of risk. Responsibilities may include credit monitoring, financial data preparation and analysis, borrowing base/collateral analysis, documentation support, covenant compliance and reporting functions, problem loan report management, CIT and limited credit memo preparation. Essential Functions: Credit Analysis: Complete comprehensive financial and risk analysis and documentation including the review of tax returns, financial statements, credit reports, UCC searches and filings, title reports and escrow instructions (when applicable). Complete borrowing base/collateral analysis. Analyze financial statements for spreading into the Bank's loan origination software, accounts receivable and borrowing base analysis, etc. Analyze personal tax returns (including K-1s) for appropriate spreading and/or cash flow analysis. Prepare simplified credit presentations (credit memos and CITs) for review by Credit Administrator. Communicate regularly with internal staff, clients and other Bank departments to procure information and complete customer service functions. Compliance Tracking, Monitoring and Reporting: Review and coordinate the Business Loan Agreement (BLA) compliance of loan covenants and financial reporting, ensuring collection of information and communication with Credit Administration. Respond to internal and external audit requests, as well as implement self-audit processes. Recommend methods and procedures to improve department efficiency and reporting functions. Attend internal and external meetings as required. Ensuring database information is up to date and accurate for ad hoc reporting regarding loan totals, past dues, risk grades, maturities, and sales contacts. Non-Essential Functions: Perform special projects and research as assigned. Perform other duties as assigned.

Requirements

An associate's degree in finance, accounting, or related field and 2 years of experience in commercial lending; or an equivalent combination of education and experience.
Knowledge of financial, tax, and accounting principles for report analysis.
Knowledge of loan origination software
General knowledge of construction, commercial real estate, and commercial loan underwriting methods and practices.
Knowledge of tax analysis methods and financial analysis tools.
General understanding of loan origination software and basic understanding of the loan documentation processes.
Skills operating a personal computer including MS word processing, contact management, Outlook, Excel, and use of the search engines for research.
Ability to interpret financial documents.
Ability to stand, bend, stoop, sit, walk, twist and turn.
Ability to lift up to 15 pounds occasionally.
Indoor office work environment with a majority of time sitting at a desk.

Responsibilities

Complete comprehensive financial and risk analysis and documentation including the review of tax returns, financial statements, credit reports, UCC searches and filings, title reports and escrow instructions (when applicable).
Complete borrowing base/collateral analysis.
Analyze financial statements for spreading into the Bank's loan origination software, accounts receivable and borrowing base analysis, etc.
Analyze personal tax returns (including K-1s) for appropriate spreading and/or cash flow analysis.
Prepare simplified credit presentations (credit memos and CITs) for review by Credit Administrator.
Communicate regularly with internal staff, clients and other Bank departments to procure information and complete customer service functions.
Review and coordinate the Business Loan Agreement (BLA) compliance of loan covenants and financial reporting, ensuring collection of information and communication with Credit Administration.
Respond to internal and external audit requests, as well as implement self-audit processes.
Recommend methods and procedures to improve department efficiency and reporting functions.
Attend internal and external meetings as required.
Ensuring database information is up to date and accurate for ad hoc reporting regarding loan totals, past dues, risk grades, maturities, and sales contacts.
Perform special projects and research as assigned.
Perform other duties as assigned.