Credit Analyst

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 Credit Analyst to provide top notch customer service to our clients and customers in Irvine, CA.  This role is responsible for conducting credit investigations and analyzing financial information to assess creditworthiness, preparing summaries with findings and opinions, ensuring all credit files are properly documented, and monitoring account progress to keep loan officers informed. 

Essential Functions:

• Conducts 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 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 credit analysis experience, lending/credit procedures and processes or other directly related experience. A combination of education and experience may meet requirements.  

• Basic knowledge of financial and spread analysis and credit/lending procedures for less complex 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 $72,000 - $89,000 annually depending on job-related factors such as level of experience.