Job Information
Zions Bancorporation Credit Analyst - Irvine, CA in Los Angeles, California
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 in Irvine, CA .
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.
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.
Conducts industry research as needed. Assists with special projects as assigned.
Assists with special projects as assigned.
Qualifications:
Requires a Bachelors degree in Finance or a related field and 4+ years of credit analysis experience including 1+ year 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.
Extensive knowledge of financial and spread analysis and credit/lending procedures for very complex loans.
Broad knowledge of commercial credit principles, theories and concepts in applicable discipline, plus extensive knowledge of other related fields.
Working knowledge of various types of loans.
Ability to work with lending officers and staff.
Strong analysis, research and communication skills, both verbal and written.
Must be detail oriented.
Ability to meet deadlines and make sound decisions regarding loans.
Strong PC skill required.
May lead or train lower-level staff
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 $103,500 - $125,000 annually depending on job-related factors such as level of experience.
Req ID: 066751
Equal Opportunity Employer
It is the policy of this corporation to provide 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, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.
If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at (801) 844-7628, Mon.-Fri. between 9 a.m. - 5 p.m. MST.
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