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River Valley Community Bank · 2 weeks ago

Credit Analyst III

Yuba City, CA

Full-time

Onsite

Entry, Mid Level

1+ years exp

River Valley Community Bank is a premier community bank committed to meeting the needs of clients with relationship-oriented products and services. The Credit Analyst III provides complex financial analysis for new and renewal loans with minimal direction, ensuring accurate analysis and responsive turn-around times that satisfy quality service standards.

BankingFinanceFinancial Services

Responsibilities

Audits loan files and application packages for completeness. Prepares a “needs list” for review by assigned Loan Officer or Portfolio Manager and assists with the collection of required loan documentation with direction from the Loan Officer, Relationship Manager or Portfolio Manager, as needed

Assembles new and renewal loan files and reviews files for compliance and completeness

Assists with the preparation and reconciliation of financial spreadsheets which includes the input of financial data into the banks spreading software

Responsible for the upkeep and monitoring of the financial covenant tickler report

Ensures electronic files are organized in a satisfactory manner according to bank guidelines

Works closely with loan officer or portfolio manager in the loan process to ensure timely submission of the completed loan file to Credit Administration

Requests third party reports including but not limited to credit reports, flood certifications, preliminary title reports, environmental and appraisal/evaluation reports

Interacts with Credit Administration, Loan Operations, and other related personnel as needed for loan maintenance and/or troubleshooting

Reviews & audits loan files in preparation for loan documentation and submission to Loan Operations. This process includes, but is not limited to, the preparation of financial certifications, file checklists, and satisfaction of pre-closing loan conditions. Works closely with other credit team members (Loan Officer, RM or Portfolio Manager) to ensure complete and timely files to Loan Operations

Is familiar and complies with applicable company policies and all banking regulations including, but not limited to BSA, USA Patriot/CIP requirements, AML, and all Fair Lending, CRA and Compliance related regulations. Other duties as assigned