Senior Commercial Credit Analyst
7 days ago
River City Bank is seeking a highly skilled Senior Commercial Credit Analyst to join our team. As a Senior Commercial Credit Analyst, you will be responsible for analyzing financial data, assessing creditworthiness, and making recommendations on credit limits and terms.
Key Responsibilities- Analyze financial data and assess creditworthiness of commercial customers.
- Prepare and present formal written loan presentations for approval by Credit Management.
- Conduct ongoing financial analysis and credit monitoring on transactions within Bank's loan portfolio.
- Identify and summarize risks related to third-party reports and collateral valuations.
- Prepare timely and concise formal, written credit recommendations.
- Monitor borrower financial performance and ensure compliance with commercial loan documents.
- Maintain close, professional communication with all bank departments and clients.
- Support Community Reinvestment Act (CRA) through business development efforts.
- Maintain a current knowledge of bank regulations and ensure compliance with all Federal, State and Bank policies, procedures, and regulations.
- Bachelor's degree from an accredited college.
- One to five years of experience in credit analysis within a banking/lending environment.
- Knowledge of accounting, financial statement, and cash flow analysis.
- Excellent written and verbal communication, presentation, and interpersonal skills.
- Excellent organizational skills, with an ability to independently prioritize tasks and multi-task while completing complex transactions.
- Excellent attention to detail.
- Strong analytical and problem-solving skills.
- Proficient in computers with ability to use standard or specialized computer hardware and software packages, including word processing and spreadsheets in a Windows environment.
- Ability to consistently interact with clients under varying circumstances while maintaining a professional demeanor.
- Effectively communicate with clients over the phone and in person.
River City Bank is an Affirmative Action and Equal Opportunity Employer with a commitment to diversity. Individuals seeking employment at River City Bank are considered without regards to ancestry, age, color, physical or mental disability, genetic information, gender, gender identity, gender expression, marital status, medical condition, national origin, race, religion, sex, sexual orientation, protected veteran/military status or any other consideration made unlawful by federal, state or local laws.
Note: River City Bank does not sponsor applicants for work visas.
For CA residents please read the Notice at Collection - California before applying.
Salary Description: $85,000 - $130,000/year
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