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Credit Analyst - San Diego, CA

Credit Administration
California Bank & Trust
055773 Requisition #

California Bank & Trust’s 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. 


California Bank & Trust has been helping Californians and their businesses grow and prosper for nearly 70 years. Today, we’re among California’s leading banks with more than $11 billion in assets and over 80 branch offices located throughout the state.


California Bank & Trust is looking for a Credit Analyst to be responsible for the following: 


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.




  • Requires a Bachelors degree in Finance or a related field and 6+ years of credit analysis experience including 2+ years working with complex or specialized credits including helping to define the structure and pricing of the loan and making projects regarding the long term profitability of the loan. A combination of education and experience may meet requirements.
  • Advanced knowledge of the credit analysis process and how it relates to a sales environment.
  • Extensive knowledge of financial spread analysis and credit/lending procedures for very complex loans in specialized market segments.
  • Working knowledge of various types of loans.
  • Ability to work with lending officers and staff.
  • Solid communication skills, both verbal and written.
  • Ability to make sound decisions and recommendations regarding loans.
  • Contributes to the development of new credit theories and methods.
  • Advanced PC skills.

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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