Senior Credit Analyst

2 days ago


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

**Job Title:** Senior Credit Analyst

**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 analyzing creditworthiness of borrowers, validating credit analysis, and providing opinions and recommendations regarding proposed credit and potential risks.

Key Responsibilities:

  • Review loan applications and financial information to determine credit structure and terms
  • Evaluate and determine creditworthiness of borrowers
  • Validate credit analysis prepared by credit analysts
  • Provide opinions and recommendations regarding proposed credit and potential risks
  • Ensure all due diligence and background evaluation is complete and thorough before credit approval is granted
  • Collaborate with Private Bankers and Sales Managers to determine credit strategy
  • Provide balanced and appropriate credit guidance to Private Bankers and Sales Managers
  • Author credit approval memoranda
  • Monitor and respond to potential credit issues
  • Perform periodic financial reviews of clients' financial condition
  • Maintain up-to-date knowledge on all Bank lending policies and regulations

Requirements:

  • Bachelor's Degree or equivalent
  • Minimum 5 years of credit underwriting experience required
  • Minimum 5 years of experience in a banking or financial services environment required
  • 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

Skills and Knowledge:

  • Complete understanding of commercial credit policies and procedures
  • Wide application of credit principles and concepts
  • Strong credit analysis and accounting skills with the ability to communicate skillfully and effectively in both verbal/written forms
  • Good organizational skills
  • Ability to work independently and interact effectively with all levels of Bank personnel and outside contacts


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