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Credit Analyst (Hybrid/Remote Schedule) - San Diego, CA

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Credit Administration
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California Bank & Trust
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053385 Requisition #

California Bank and Trust, a leader amongst banks in California, with over $10 billion in assets and nearly 100 branch offices in the state, is looking for a Credit Analyst to work in our San Diego Office. Sign on Bonus included!!

  At California Bank & Trust our relationship-centered culture is achieved by providing our associates with the tools, training and opportunities to build the best possible relationships with our customers, and with each other. Our workplace culture values each associate’s unique experiences, background and perspectives and provides a collaborative environment for all associates to grow and thrive. 

 

 

Job Requirements:

 

  • 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 credit-worthiness.
  • 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.
  • Work From Home: This position will require in-person training at our San Diego offices (address) location. Once the 30-90 day training program is completed, work from home flexibility will be evaluated. Flexible work arrangements, both written, verbal and implied, are subject to ongoing review of the business and productivity effectiveness.

 

Qualifications: 

 

  • Requires a Bachelor's and 2+ years of credit analysis experience, lending/credit procedures and processes or other directly related experience. A combination of education and experience may meet requirements.
  • Working knowledge of financial and spread analysis and credit/lending procedures for moderately complex loans.
  • Full use and application of commercial credit principles, theories, concepts, and techniques.
  • Ability to work with lending officers and staff.
  • Solid communication skills, both verbal and written.
  • Ability to make sound decisions regarding loans.
  • Solid PC skill required.

Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, military service, sexual orientation, gender identity, or any other characteristic protected by applicable federal, state or local law, including but not limited to genetic information of employee or family member.

 

It is Zions’ policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.

 

Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site.  You can request reasonable accommodations by contacting us at careers@zionsbancorp.com or 801/844-7628.  Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.

 

Click here to view our EEO Statement.

 

Click here to view applicable Federal, State and/or local employment law posters.

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