Credit Analyst

About the Role

As a Credit Analyst in the 2027 Commercial Banking Development Program, you will be responsible for spreading, managing, and maintaining financial background information on customers. You will develop credit studies for loan officers and executive management, manage spread assignments, conduct financial analyses, and maintain related records and files. A key responsibility includes preparing credit department reports.

Key Responsibilities

• Support the Credit Administration team in analyzing credit and collateral information to determine lending risk.
• Collect, organize, and analyze company financials to ensure Bank compliance and update Bank systems.
• Work directly with clients to resolve compliance issues and operational inquiries.
• Review client financials and perform sensitivity analysis to evaluate credit risk.
• Prepare in-depth reports with plans of action based on qualitative and quantitative research.
• Collaborate cross-functionally with Bank groups to execute treasury management products, foreign exchange instruments, derivatives, and legal documents.
• Produce loan packages for new and restructured loans.
• Facilitate reporting and requests with third parties such as field auditors and appraisers.
• Monitor loan disbursements for compliance with Bank regulations.

Requirements & Tech Stack

• Completion of an Accounting course.
• Bachelor's degree or equivalent experience.
• GPA of 3.0 or higher.
• Strong analytical, conceptual, communication, leadership, and organizational skills.
• An interest in working in Commercial Banking.
• Ability to self-motivate and work productively without supervision.
• Entry-level speaking and writing communications skills.

Compensation: Hourly range for new hires is generally $36.30 for San Francisco, CA. Salary amount is determined by specific job location. The role may be eligible for annual bonus/incentives.