Federal Home Loan Bank of San Francisco · 10 hours ago
Member Credit Analyst, Assoc.
San Francisco Bay Area
Full-time
Onsite
Mid Level
$75K/yr - $90K/yr
4+ years expThe Federal Home Loan Bank of San Francisco is a cooperative, wholesale bank that provides liquidity to its members and helps meet community credit needs. The Associate of Member Credit will be responsible for underwriting and monitoring credit facilities for a portfolio of depository financial institutions, conducting credit analysis, and supporting strategic credit initiatives.
BankingBuilding MaterialFinancial ServicesReal EstateVenture Capital
Responsibilities
Perform ongoing member credit analysis, including full scope credit reviews, employing quantitative and qualitative analysis of an institution’s business strategy, financial condition, and exposure to economic/market conditions in accordance with the Bank’s review frequency policy
Underwrite applications for new Bank membership in compliance with the Federal Housing Finance Agency’s Membership Approval regulations and the Bank’s policies and procedures
Identify key factors that affect internal credit ratings and changes to credit exposure appetite by:
Effectively and persuasively communicating credit knowledge and rating analysis rationale in both written and oral form
Periodically accompanying relationship manager or collateral asset manager on member-client calls to expand due diligence discussions to further support credit analysis and rating recommendation
Presenting credit memos, including credit rating and credit term recommendations for review and approval by the senior manager
Developing and maintaining an understanding of industry trends and issues
Supporting reports to management committee and board of directors
Conduct periodic industry sector portfolio reviews and exposure analysis by assessing industry trends and member-specific financial metrics
Analyze the credit risk assumed by the Bank for assigned institutions by monitoring the financial condition of each institution and recommending changes in credit ratings, exposure limits, and/or collateral pledging status as appropriate
Maintain familiarity with capital markets trends, accounting standards, regulations, and general industry and economic conditions to determine their effects on member financial condition and creditworthiness
Determine, administer and/or execute appropriate credit mitigation plans for large and/or troubled members on the Bank’s watchlists and shortlists
Respond to examinations and regulatory requirements, as needed with management guidance
Work closely with other business partners in the organization including but not limited to Relationship Managers, Member Financial Services, Collateral Asset Management, Collateral Operations and Systems, Enterprise Risk Management, Technology Solutions & Services and regulatory agencies
Qualification
Required
Minimum of four years' experience analyzing, mitigating and managing credit risk in a regulated financial institution, regulatory agency or credit rating agency
Experience with or understanding of assessing risk associated with banks and credit unions
Knowledge of GAAP standards and familiarity with the regulatory environment for insured depositories
Ability to prepare well-written credit memorandums on wide range of simple to complex credits, which includes the ability to use data to aid decision-making by possessing strong analytical and problem-solving skills (tell the story behind the numbers and financial analysis)
Strong skills in client interactions and outstanding verbal and written communication skills
Ability to solve complex analytical problems using quantitative and qualitative approaches with a unique blend of analytical, and technical skills strongly desired
High proficiency in Microsoft Office and S&P Capital IQ used in analytics and report building
Bachelor's degree in Business Administration, Finance, Economics, or a related field, or an equivalent combination of education and experience from which comparable knowledge and skills may be acquired
Strong communication skills, both written and verbal (including listening skills)
Solid time management skills which include the ability to juggle multiple projects and meet critical deadlines
Excellent interpersonal skills to work in a team environment and to influence and interface with a broad range of stakeholders at all levels, both internal and external
Proficiency in the Bank's desired competencies: Collaborates, Instills trust, Communicates effectively, Values differences, Customer focus
Preferred
Working knowledge of various credit risk rating models is a plus but not a requirement
Benefits
Annual incentive award opportunities
Retirement benefits
Health and welfare or other ancillary benefits
Company
Federal Home Loan Bank of San Francisco
Federal Home Loan Bank of San Francisco is a banking firm providing credit products, services, and housing finance services.
201-500 employees
H1B Sponsorship
Federal Home Loan Bank of San Francisco has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2023 (4)
2022 (9)
2021 (3)
2020 (7)
Funding
Current Stage
Growth StageLeadership Team
Joseph Amato
President and Chief Executive Officer (Interim)
Recent News
2025-12-30
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