Senior Credit Analyst

22 hours ago


Los Angeles, California, United States City National Bank Full time
Job Summary

We are seeking a highly skilled Senior Credit Analyst to join our team at City National Bank. As a Senior Credit Analyst, you will be responsible for providing analytical support for due diligence, document processing, and financial/statistical analyses related to transactions, credit approval, and ongoing monitoring of closed transactions.

Key Responsibilities
  • Review loan documents for accuracy, completeness, and adherence to approval conditions.
  • Recommend proper loan documentation and loan restructure for complex credits.
  • Presents facts and summarizes the credit analysis results concerning the applicant's credit worthiness.
  • Prepare timely and insightful credit analysis applications for a diverse, highly complex, and sophisticated portfolio comprised of commercial & industrial, commercial real estate and private banking / professional services commercial loan customers.
  • Prepare sensitivity analyses, pro forma cash flows, and assessments of collateral and guarantor financial condition.
  • Conduct analysis of the market (customers) and industry (competition, suppliers, substitutes, and potential new entrants) and management teams and/or deal sponsors.
  • May make client calls to obtain all necessary information.
  • May make client calls to obtain all necessary information and clarification on financial analysis materials and resources.
  • May be required to contact borrowers directly for additional information and details related to loan request.
  • Work with attorneys and other financial or legal resources to obtain the correct, accurate documents to fully protect the banks interests in the credit relationship.
Requirements
  • Bachelor's Degree or equivalent.
  • Minimum 5 years of credit analysis or financial analysis experience required.
  • Minimum 5 years of experience in a banking or financial services environment required.
  • SAFE Act Registration Must be in good standing under The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (Safe Act) and must be registered/licensed with the Nationwide Mortgage Licensing System and Registry; or must be able to be registered under the Safe Act. Must remain in good standing under the Safe Act.
Preferred Qualifications
  • Bachelors degree in Finance, Accounting, Business or related field preferred.
  • 7 years of experience in credit and/or financial analysis.
  • Working knowledge of credit, accounting, credit policy and financial statement analysis.
  • Excellent ability to analyze credits, as well as a detailed knowledge of lending structure and sources and uses of cash.
  • Excellent organizational and analytical skills.
  • Identify strengths, weaknesses, and risks related to borrower status and repayment ability. Use various software programs for spreading financial statements and financial analysis.
  • Good verbal and written communication skills to present clear and precise recommendations based upon analysis for action on loans and loan treatments.
  • Working knowledge across all areas of lending including Commercial Finance, Commercial Real Estate, and ABL.
  • Working knowledge of Lexis Nexus, Pacer, Moodys Risk Origins, Monarch, and Asset Reader.
Compensation

Starting base salary: $60.64 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

This job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.


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