Credit Officer II

2 weeks ago


Oxnard, California, United States Citizens Business Bank Full time
Credit Officer II Job Description

Job Summary:

The Credit Officer II plays a crucial role in the bank's lending process, responsible for analyzing financial statements, tax returns, and cash flow analysis for businesses and individuals. This position requires prior experience and expertise in credit analysis, with a strong understanding of financial concepts and regulations.

Key Responsibilities:

  • Review credit requests and files for completeness, ensuring all necessary information is provided.
  • Spread financial statements and/or tax returns to assess creditworthiness.
  • Evaluate credit requests and formulate questions to complete the Report of Credit Extended (RCE).
  • Prepare accurate, clear, and concise RCEs, highlighting key credit risks and recommendations.
  • Collaborate with branch personnel and Credit Management Division to discuss credit requests and provide guidance.
  • Assist and train junior credit officers/trainees to improve their understanding of the credit analysis process and enhance their credit skills.

Requirements:

  • Bachelor's degree in a relevant field, such as finance, accounting, or business administration.
  • Minimum of five years of related experience and/or training in credit analysis or a related field.
  • Strong analytical and problem-solving skills, with the ability to interpret financial data and make informed credit decisions.
  • Excellent communication and interpersonal skills, with the ability to work effectively with colleagues and clients.

Working Environment:

The Credit Officer II will work in a fast-paced, dynamic environment, with regular interaction with colleagues, clients, and other stakeholders. The position requires strong organizational and time management skills, with the ability to prioritize tasks and meet deadlines.

Salary Range: $87,612.00 to $124,846.00 Annually

40 hours per week


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