7,054 Credit Analyst jobs in the United States

Credit Analyst needed for immediate opportunity with Large Financial Lender in Los Angeles This Jobot Consulting Job is hosted by: James Moon Are you a fit? Easy Apply now by clicking the "Apply Now" button and sending us your resume. Salary: $30 - $50 per hour A bit about us: Large financial lender in Los Angeles Why join us? Medical Benefits and 401k Immediate opportunity to work! Job Details Job Details: We are on the lookout for a dynamic and detail-oriented Credit Analyst to join our thriving Accounting + Finance team. This position is an extraordinary opportunity for a seasoned professional with a strong understanding of financial analysis and credit risk assessment. The successful candidate will be responsible for conducting in-depth analysis and review of financials to support the decision-making process and promote the company's financial stability. This role requires a minimum of 2-5 years of experience in a similar capacity. Responsibilities: 1. Conduct comprehensive credit risk assessments by analyzing clients' financial status, credit, and property evaluations to determine the level of risk. 2. Prepare detailed financial analyses and projections, report on findings and provide data-driven advice to stakeholders. 3. Develop credit risk models to predict default probabilities using financial and economic data. 4. Collaborate with cross-functional teams to develop strategies for credit risk management. 5. Provide input into the development of credit policies and procedures, ensuring they comply with regulatory standards. 6. Monitor credit portfolio for trends, variances, and anomalies. 7. Stay abreast of industry trends and regulatory changes related to credit risk. 8. Participate in client meetings to gain a thorough understanding of the client's business and its financials. 9. Provide recommendations to management on large exposures and risk grading. Qualifications: 1. A Bachelor’s degree in Finance, Accounting, Economics, or a related field. 2. Minimum of 5 years of experience in credit risk analysis or a related field within the Accounting + Finance industry. 3. Proficient in financial analysis and interpretation of financial statements. 4. Strong understanding of credit risk concepts, including risk grading, portfolio management, and loss forecasting. 5. Excellent quantitative and analytical skills with the ability to make data-driven decisions. 6. Proficient in financial modeling and risk assessment. 7. Strong knowledge of regulatory requirements related to credit risk. 8. Excellent communication skills, both verbal and written, with the ability to present complex financial information in an understandable manner. 9. Strong attention to detail and the ability to work effectively under pressure. 10. Proficient in using financial software and MS Office suite, particularly Excel for financial analysis and modeling. Interested in hearing more? Easy Apply now by clicking the "Apply Now" button. Jobot is an Equal Opportunity Employer. We provide an inclusive work environment that celebrates diversity and all qualified candidates receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. Sometimes Jobot is required to perform background checks with your authorization. Jobot will consider qualified candidates with criminal histories in a manner consistent with any applicable federal, state, or local law regarding criminal backgrounds, including but not limited to the Los Angeles Fair Chance Initiative for Hiring and the San Francisco Fair Chance Ordinance.

Our client, voted by their employees as one of the "Best Places to Work" in the North Bay Business Journal, is seeking a Credit Analyst to join their Construction Lending team in Novato, California.

Essential Duties:
With guidance/oversight:
•Support loan officers with partial preparation of Credit Recommendations.
•Review loan project file for missing items; contact borrowers for necessary missing information prior to ordering loan documents.
•Prepare orders to draw based on approved Credit Recommendation and loan officer instructions.
•Assist Senior Construction Loan Administrator with disbursements and draw requests and other duties as needed.
Independently:
•Utilize loan accounting system to research loan activity.
•Maintain tickler database and, in coordination with lenders, contact customers requesting necessary financial information etc. prior to due date.
•Using analytical abilities and established spreading guidelines, accurately translate basic financial reporting of business and personal entities into bank-standard format for further analysis.
•Accurately order and interpret credit background information such as Equifax, Lexis Nexis reports, etc.

• Knowledge of Abrigo (Loan Origination System) preferred.

Since 1973, East West Bank has served as a pathway to success. With over 110 locations across the U.S. and Asia, we are the premier financial bridge between the East and West. Our teams of experienced, multi-cultural professionals help guide businesses and community members on both sides of the Pacific looking to explore new markets and create new opportunities, and our sustained growth and expertise in industries like real estate, entertainment and media, private equity and venture capital, and high-tech help build sustainable businesses and expand our associates potential for career advancement.

Headquartered in California, East West Bank (Nasdaq: EWBC) is a top-performing commercial bank with a strong foundation, an enterprising spirit and a commitment to absolute integrity. East West Bank gives people the confidence to reach further.

We are currently seeking an Analyst to support a team of Portfolio Managers. Primary responsibilities will include assisting in transaction underwriting, credit approval process, documentation and execution, monitoring, surveillance and reporting of Commercial Banking relationships.

• Monitoring of transaction level performance, financial statement analysis and covenant compliance.
• Assisting Portfolio Managers in underwriting Project Finance and Structured Finance transactions.
• Assist team in internal loan execution functions, and procedures, including credit submissions, loan closing, and loan servicing.
• Interact with third party service providers associated with the transactions including servicers, custodians/trustees, field examiners, attorneys, etc.
• Assist in evaluating numerous transaction types across a broad array of commercial asset classes, conducting analysis of the collateral, originator, servicer and developing cash flow models and loss coverage analyses.
• Working with Relationship Mangers and Portfolio Managers to analyze and create requisite loan memoranda to generate new loans, amendments, modifications, renewals, extensions, and waivers.
• Working with the team to ensure the portfolio administration and risk management of each client relationship is in compliance with established EWB credit and regulatory policy, procedure and business strategy.
• Assisting with due diligence/analysis with new client relationships, opportunity memos as appropriate.
• Promptly coordinating with Relationship Managers and Portfolio Managers to respond to borrower requests.
• Performing other duties and special projects as needed.

• Bachelor's degree or combination of education and directly related experience.
• 1-2 years Commercial Credit experience and/or background in Accounting is highly preferred.
• Knowledge of CRE including the ability to analyze tax returns, company financials and property financials is a plus.
• Proficient with Microsoft Office products (Excel, Word, etc.), and able to adapt and learn bank technology platforms.
• Able to work on multiple projects simultaneously, taking ownership of discreet tasks while working as part of a team.
• Strong written and oral communication skills.
• Excellent interpersonal skills to interact with senior management as well as clients, with focus on quality and integrity.

Bank of Marin, voted by our employees as one of the "Best Places to Work" in the North Bay Business Journal, is seeking a Credit Analyst to join our Marin Commercial Banking Office in Novato.

In a team-oriented environment, maintain a high degree of customer service by supporting loan management, credit approval, and loan documentation with timely and accurate processing of customer financial information, information requests, and other duties as assigned in support of credit management staff.

With Guidance/oversight From Senior Loan Officers

• Support loan officers with partial preparation of Credit Recommendations.
• Order documentation for approved credit actions.
• Prepare Short Form Credit Recommendations.
  
  

• Utilize loan accounting system to research loan activity.
• Maintain tickler database and, in coordination with Branch contacts, prepare customer correspondence requesting financial information prior to credit expirations.
• Using analytical abilities and established spreading guidelines, accurately translate basic financial reporting of business and personal entities into bank-standard format for further analysis.
• Using published underwriting guidelines, accurately underwrite and recommend less complex personal and business credits for approval/decline. Express credit recommendations by accurately completing the bank-standard Short-Form Credit Recommendation form.
• Accurately order and interpret credit background information such as Equifax, D&B reports, etc.
• Other duties may be assigned.
  
  

• Perform detailed credit analysis, evaluating the financial profiles of Sponsors and borrowing entities.
• Consult with both internal and external sources regarding Sponsor/Borrower applications.
• Provide consistent and accurate updates to both peers and your supervisor.
• Monitor and analyze market trends, economic conditions, and industry-specific factors.
• Recommend and implement best practices as part of OUR dedication to creating an industry-leading customer experience.
• Work efficiently under minimum supervision.
• Pay close attention to detail and consistency in analysis and findings presentation format.
• Advise and/or review peer work product as a quality control.

• Bachelor's degree in finance, business, economics, or a related field
• 2+ years of relevant experience with credit analysis in a real estate or financial services business
• Excellent analytical skills with the ability to interpret complex financial data
• Strong written and verbal communication skills
• Familiarity with industry-standard credit scoring models and underwriting processes
• Proficiency in financial software and tools, including Excel or other spreadsheets

• This role works on-site from Ascent's Encino office, Monday - Thursday (Fridays are work-from-home).
• Full-time, 40 hours per week; must be available for occasional overtime.
• Some nights and weekends required.