Commercial Bank of California · 1 day ago
Junior Credit Analyst
Irvine, Irvine, CA, US
Full-time
Hybrid
New Grad, Entry Level
$20/hr - $24/hrCommercial Bank of California is the largest Latino-owned bank in California, committed to empowering entrepreneurs and fostering community impact. They are seeking a detail-oriented Junior Credit Analyst to support the underwriting and portfolio management process by conducting credit investigations, preparing financial analyses, and ensuring compliance with loan conditions.
BankingFinancial ServicesInsurance
Responsibilities
Conducts in-depth credit investigation, evaluation and analysis of credit worthiness of commercial and consumer loan customers
Investigates credit history of customers by ordering credit reports from Experian, Dun & Bradstreet, Data Quick, and other references
Prepares financial spreads
Assists in Preparation of Preflight and Credit Presentations
Evaluates information and completes credit write-ups for renewals and new loans, as requested and identified by lending officers
Ensures that customer credit information, such as loan application, financial statements, tax information, credit history from TRW, Dun & Bradstreet and other trade references, deposit account information letters are incorporated in the file and is up-to-date
Ensures that follow-up customer is obtained in a timely manner
Ensures financial statements are current and in accordance with loan agreements
Follows existing credit line relationships to insure compliance with loan conditions
Reviews maturing loan report and coordinates with Account Officer in the notification of customer for credit renewals
Assist the Senior Underwriters and Relationship Managers in preparation for compliance and safety and soundness exams
Prepares and send out renewal notification letters to customers, signed by Loan Officers requesting updated credit information and financial statements, as necessary
Ensures that all loan covenants are adhered to and that all required customer information is obtained in a timely manner. Notify account office and Loan Administration of any covenant violations
Evaluate loans for changes in risk and make recommendations on any risk rating changes
Assist Asset Based Credit Analyst to insure collateral reviews (i.e. audits and monthly borrowing certificates) are performed on a timely basis
Works with and coordinates with other Credit Analysts on special projects
Organize loan files for storage and retrieval of electronic copies. Manage Ticklers
Coordinate with the Note Department to request loan documents and assist Senior Underwriters and Relationship Managers in loan closings
Participate in various training meetings as necessary. Assist Senior Underwriters and Relationship Managers in educating other loan staff in compliance and safety and soundness topics
Qualification
Required
Strong analytical, organizational, negotiation, interpersonal and communication skills; positive attitude with team-player approach
Demonstrated ability to prioritize work assignments; detail oriented with flexibility in dealing with a changing work environment, customer service oriented and a strong sense of urgency
Computer literate in Windows, Word, Excel software
Preferred
concurrent enrollment in Business/Accounting/Economics or equivalent experience
strong financial or accounting background, education, or experience
Benefits
Competitive employer contribution to medical, dental and vision coverage
401k plan with employer match
Flexible Spending Accounts (FSA) and Dependent Care Accounts
Employee Assistance Program (EAP)
Employer provided Calm subscription
Employer provided mental health benefits through Teladoc
Life, AD&D and disability insurance
Minimum 15 Days of Vacation, 11 Paid Federal Holidays, Paid Time off to Volunteer
Online discount program
Tuition Reimbursement Program
Company
Commercial Bank of California
Commercial Bank of California is a full-service bank that offers traditional deposit, online and lending services. It is a sub-organization of CBC Bank.
Founded in 2003
201-500 employees
H1B Sponsorship
Commercial Bank of California 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
2021 (1)
Funding
Current Stage
Growth StageLeadership Team
Ash Patel
President & CEO
Recent News
2025-08-07
2025-06-23
2025-04-26
Company data provided by crunchbase