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Tri Counties Bank · 1 week ago

Commercial Credit Analyst I or II

Chico, CA

Full-time

Onsite

Entry, Mid Level

$27.50/hr - $36/hr

2+ years exp

Tri Counties Bank is a financial institution dedicated to providing exceptional service for individuals and businesses throughout California. The Credit Analyst participates on a team that provides credit analysis on assigned commercial credits, including various financial assessments and support for the underwriting team.

BankingFinanceFinancial Services

Responsibilities

Inputs historical financial information to show financial trends, evaluate repayment, and mitigate risk

Analyzes key factors such as industry, management, and economic trends

Ability to work in a heavily deadline-oriented environment

Orders business credit reports and personal credit reports on business principals

Maintains and coordinates covenant management responsibilities for assigned region

Maintains a log of maturing lines and coordinates renewal process to ensure that necessary information is received prior to line maturity

Monitors past due loans for assigned portfolio(s) and recommends action to sales staff or contacts customers directly, as appropriate. Maintains a log of pending action or resolution for past due loans

Assists as needed in the preparation of Annual Credit Reviews and Problem Loan Reports

Analyzes commercial loan applications received by Relationship Managers to determine eligibility of request, providing prompt turnaround time. Confers with Relationship Managers to determine client needs and discuss options for borrowers. Requests any additional information needed to complete processing

Ensures the customer loan request is processed accurately and timely. Coordinates with appraisal department and escrow companies for secured loan products

Provides exceptional assistance and support to all Relationship Managers and Credit Administration

Maintains a current understanding of Bank underwriting guidelines, procedures, policies and compliance issues. Maintains a working knowledge of regulatory requirements for documentation and regulations relating to commercial lending

Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws, including but not limited to Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, Financial Elder Abuse Reporting, and any other applicable regulations that may be specific to your job duties

Performs other work-related duties as assigned

Assists Regional Credit Administrators and Commercial Underwriters in the development and completion of special projects, spreadsheets, graphs, and reports as assigned

Qualification

Financial analysisCredit analysisCovenant managementMicrosoft OfficeFinancial accountingOrganizational skillsVerbal communicationWritten communication

Required

High school diploma or GED required

Established knowledge of financial accounting theory and logic, financial statement and business entity types, commercial products and services

Basic knowledge of financial analysis practices, principles, applications and analysis methods

Excellent organizational skills with efficient work demeanor that allows involvement in multiple areas

Ability to utilize personal computers, and Windows-driven programs, with an emphasis on the Microsoft Office suite of applications, specifically Word and Excel

Ability to complete a high volume of work efficiently and with accuracy

Excellent verbal and written communication skills