Credit Analyst III/IV
$78,143–$121,318 year
On-siteVisalia, California, United States
Job Summary
Independently manage a loan portfolio and customer base by servicing diverse business loans, conducting pre-qualification assessments, and analyzing financial statements, tax returns, and cash flow data. Underwrite loan requests for Relationship Manager review, compile credit bureau data, and perform annual loan reviews to ensure accurate risk grading. Mentor support staff and peers through proactive coaching while providing direct assistance to Regional Presidents and accompanying on customer calls as needed. Maintain strict compliance with all Bank policies, state, and federal regulations including BSA/AML/CIP requirements.
Required Qualifications
- Bachelor's degree (BA or BS)
- four-five+ years of direct lending experience
- equivalent combination to four-five+ years of direct lending experience
- strong customer service orientation
- willingness to place the customer first
- strong written/verbal communication skills
- excellent organizational/time management skills
- working knowledge of credit risk principles
- working knowledge of loan documentation
- working knowledge of regulatory expectations
- Proficient in Excel
- Detail oriented
- Strong ability to analyze and synthesize large amounts of data
- Ability to work with minimal supervision
Desired Qualifications
- Experience with nCino or similar loan origination/credit systems
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