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Credit Analyst

4 months ago

Rancho Cordova, United States Five Star Bank Full time
Who We Are

Five Star Bank is a high performing $3.6 Billion community business bank operating through 7 offices - 5 in the Capital Region, 1 in Chico, and 1 in Redding. With an emphasis on commercial real estate and small business we partner with organizations to help them be successful by providing highly customized banking solutions. Organizations bank with us because of our entrepreneurial and empathetic spirit, speed to serve and deep connection to our market. And they trust us.

Position Overview

Develops and analyzes credit information pertaining to existing commercial real estate and other business loans. Completes annual reviews to ensure compliance with financial and other loan covenants. Prepares cash flow analyses, summaries, presents facts and may offer opinions concerning credit worthiness.

Essential Job Functions & Responsibilities
  • Gathers and evaluates personal and business financial information to determine the ongoing creditworthiness of borrowers and guarantors, and determines compliance with financial and other loan covenants
  • Monitors the credit risk associated with customer accounts
  • Provides support in all area of lending as may be required; and maintains and fosters a professional relationship with other departments and staff
  • Coordinates annual credit review process, including but not limited to initiating inquiries into customer's bank and trade references, determining customer's ongoing credit and financial capacity
  • Prepares annual financial loan reviews
  • Assesses the ongoing creditworthiness of existing customers, including adherence to payment terms and credit limits. Through analysis, confirms compliance to internal and external policies and regulations
  • Performs property inspections
  • Reviews appraisals, environmental reports, and other third party reports
  • Establishes and maintains customer credit files and/or database; continually reviews customers' credit histories and recommends adjustments to customer credit limits and terms as necessary
  • Reviews collections reports to ascertain status of collections and outstanding balances and to evaluate effectiveness of current collection policies and procedures
  • Participate in the Bank's continuing education program
  • Comply with all Anti-Money Laundering Laws and Regulations
Requirements

Competencies
  • Results Driven
  • Decision Making
  • Problem Solving/Analysis
  • Organizational Skills
  • Time Management
  • Customer Focus


Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands to finger, handle or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch or crawl. The employee must occasionally lift and/or move objects up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision and the ability to adjust focus.

Position Type/Expected Hours of Work

This is a full-time position with normal business hours with occasional overtime required.

Travel

Although travel is generally not required, occasionally some local travel may be required during the business day. Out-of-the-area and overnight travel is extremely rare.

Required Education and Experience
  1. At least two years of previous experience and/or education in commercial financial analysis
  2. Strong knowledge of loan related transactions involving advances, payments, and calculation of interest
  3. Comprehensive knowledge of MS Office products
Preferred Education and Experience
  1. Bachelor's degree in business administration or related field
  2. At least three years previous commercial credit analysis and underwriting experience
Additional Eligibility Qualifications
  1. Experience in bank loan operations
  2. Excellent verbal and written communication skills
  3. Strong organizational, problem-solving, and analytical skills
  4. Ability to understand and follow written and verbal instructions
  5. Acute attention to detail
  6. Good judgment with the ability to make timely and sound decisions
  7. Possess personal qualities of integrity, credibility, and commitment to corporate mission
  8. Flexible and able to multitask; can work within an ambiguous, fast-moving environment, while also driving toward clarity and solutions


Other Duties

The purpose of the job description is to outline the duties and responsibilities for which the position is held accountable. The job description does not restrict the right of management to change, alter or reassign duties at any time with or without notice.

EEO Statement

Five Star Bank is an Equal Employment Opportunity (EEO) employer and is committed to creating and maintaining a work environment that is free from all forms of discrimination and harassment. The Five Star Bank EEO policy prohibits harassment or discrimination due to age, ancestry, color, disability, gender, gender expression, gender identity, genetic information, marital status, medical condition, military or veteran status, national origin, race, religious creed, sex (including pregnancy, childbirth, breastfeeding, and any related medical conditions), sexual orientation, and any other classification protected by federal, state, or local laws, regulations, or ordinances. It also prohibits retaliation for engaging in protected activity, such as filing a discrimination or harassment complaint or participating in an EEO investigation. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation and selection for training, including apprenticeship, at all levels of employment.

If you are a qualified individual with a disability or a disabled veteran and are unable or limited in your ability to access our website, you can request reasonable accommodation by sending an email to HR@fivestarbank.com

NOTE: Five Star Bank personnel are employed on an at-will basis. All employment is at-will and can be terminated with or without cause, at any time, by the Employee or by Five Star Bank for any reason or no reason whatsoever, with or without notice.

Salary Description

$50,000.00 to $55,000.00