Credit Analyst - Sacramento, CA

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 Sacramento, CA.  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:   

• Conduct credit investigations and analyze credit information pertaining to loans.  

• Investigate all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office and branches files.   

• Analyze financial statements, financial conditions and trends.   

• Review and report non-compliance with loan covenants.   

• Determine cash flow using appropriate tax analysis.   

• Prepare summaries, present facts and offer opinions concerning credit-worthiness.   

• Provide credit information and references for customers, loan officers, or other agencies as requested.   

• Ensure that all credit files include proper documentation including current financial statements, agency reports, etc.   

• Maintain control over current accounts, noting payment progress, watching for any developing problems and keeping loan officers informed.   

• Write credit memorandums.   

• Accompanies lenders on business calls. 

• Conducts industry research as needed.   

• Assist with special projects as assigned.  

Qualifications:   

• Requires a Bachelor's in finance, business, accounting or a related field and 1+ yrs credit/financial analysis, lending, underwriting or other directly related experience. A combination of education and experience may meet job requirements.  

• Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles.  

• Some experience working with various types of loans. Basic working knowledge of credit risk, legal and regulatory requirements.  

• Ability to work with lending officers and staff. Good client relationships and communication skills, both verbal and written.  

• Ability to make sound decisions and recommendations regarding loans.  

• Working knowledge of computer software programs including spreadsheets, word processing, etc. required. 

Benefits:   

• Medical & Dental Insurance & Vacation & Profit Sharing - START DAY ONE!   

• 401(k) plan, competitive compensation in line with work experience.   

• Most roles eligible for sales bonuses + monthly incentives and/or annual discretionary bonus, some roles include mileage + travel time pay, and/or parking waivers (must meet eligibility requirements  

• Paid Training, Paid Vacation, Paid Holidays, and promotional opportunities offered from within  

• Tuition Reimbursement for qualifying employees  

• Stable Employer, we are a division of Zions Bancorporation and included in the S&P 500 & NASDAQ Financial 100 indices.  

This position is eligible to earn a base hourly rate in the range of $33.50 - $37 depending on job-related factors such as level of experience and location.