Commercial Credit Analyst - Chino, CA
Company: Zions Bancorporation
Location: Chino
Posted on: September 23, 2024
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Job Description:
Associates at California Bank & Trust work in a
relationship-centered culture where they are provided with the
tools, training, and opportunities to build the best possible
relationships with our clients and with each other. Our workplace
culture values each associate's unique experiences, background and
perspectives and provides a collaborative environment for all
employees to grow and thrive. As a premier California-focused
financial services company dedicated to serving its communities,
families, and businesses (small, mid-sized and large), CB&T has
been active for 70 years and has more than 80 full-service branch
offices across the state. This dedication has helped the bank earn
recognition as a perennial powerhouse in yearly voting for "Best
Bank" and "Best Commercial Bank" from the readers of San Diego
Union-Tribune and Orange County Register. Additionally, as a
division of Zions Bancorporation, the bank has collected multiple
Greenwich Excellence Awards for "Overall Client Satisfaction" in
Small Business & Middle Market Excellence Awards. We are looking
for a Commercial Credit Analyst to join our team in Chino, CA
focusing on Middle Market and C&I Analysis. If you are
passionate about being part of a community, being a team player,
and helping others reach their financial goals, then we are
interested in speaking with you!
Essential Functions: Conducts commercial credit investigations and
analyzes credit information pertaining to loans. Investigates all
available sources of credit and financial information, including
reporting services, credit bureaus, other companies, main office
files, and branches. Analyzes Commercial financial statements and
related material. Analyzes financial conditions and trends. Reviews
and reports non-compliance with loan covenants. Determines cash
flow using appropriate tax analysis. Prepares summaries, presents
facts, and offers opinions concerning creditworthiness. Provides
credit information and references for customers, loan officers, or
other agencies as requested. May provide rates and loan information
to clients. Ensures that all credit files include proper
documentation including current financial statements, agency
reports, etc. Maintains control over current accounts, noting
payment progress, watching for any developing problems, and keeping
loan officers informed. Writes credit memorandums. Accompanies
lenders on business calls. Conducts industry research. Assists with
special projects as assigned. Qualifications: Requires a
Bachelor's and 1+ years of Commercial and/or Middle Market credit
analysis experience, lending/credit procedures and processes or
other directly related experience. A combination of education and
experience may meet requirements. Knowledge of financial and spread
analysis and commercial credit/lending procedures for loans.
Knowledge of and ability to apply commercial credit principles,
theories, concepts, and techniques. Ability to work with lending
officers and staff. Good communication skills, both verbal and
written. Ability to make sound decisions regarding loans. Good PC
skill required. Benefits: Medical, Dental and Vision Insurance -
START DAY ONE! Life and Disability Insurance, Paid Paternal Leave,
and Adoption Assistance Health Savings (HSA), Flexible Spending
(FSA), and dependent care accounts Paid Training, Paid Time Off
(PTO), and 11 Paid Federal Holidays 401(k) plan with company match,
Profit Sharing, competitive compensation in line with work
experience Mental health benefits, including coaching and therapy
sessions Tuition Reimbursement for qualifying employees Employee
Ambassador preferred banking products This position is eligible to
earn a base salary in the range of $53,000 - $90,000 annually
depending on job-related factors such as level of experience.
Keywords: Zions Bancorporation, Chino , Commercial Credit Analyst - Chino, CA, Professions , Chino, California
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