Credit Analyst Emerging Banker
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Job Location:
Roseville, CA - USA
Monthly Salary:
$ 59477 - 80295
Posted on:
2 days ago
Vacancies:
1 Vacancy
Job Summary
Job Description:
This role is ideal for individuals with a strong interest in building a career in banking specifically as a commercial or agri-business banker. Successful candidates will demonstrate a genuine passion for learning the fundamentals of credit analysis financial assessment risk management and loan underwriting. As part of an immersive structured training program participants will be given hands-on experience to develop the skills necessary to succeed. Primary responsibilities include reviewing loans to ensure compliance with the banks Loan Policy and Guidelines.
Qualifications: This person should have a bachelors degree or the equivalent. With oversight this person should be able to analyze routine credits using sound credit judgment. Communication skills a proficiency towards detail and the ability to comprehend and apply Loan Policy and Guidelines is . An aptitude towards business development and building relationships both internally and externally is necessary.
Principal Responsibilities:
Learn the Credit Analyst role and build in-depth knowledge of the lending process.
Meet learn from and build positive relationships with the credit department bankers the Market President and other senior leaders across the organization.
Analyze and risk rate credit lines and critique the credit classifications assigned by the Loan Officers. The analysis must be consistent with the findings of the appropriate regulatory agencies.
Spread analyze and review financial statements for current and prospective borrowers in a variety of industries using tax returns financial statements credit reports and other reporting as needed or requested. Summarize and analyze findings in the banks written credit presentation.
Prepare annual reviews on borrowing relationships in accordance with loan policy.
Monitor covenant compliance with loan agreements.
Present loan files or credit lines not meeting the standards of Loan Policy and Guidelines to the Credit Analyst Manager with a detailed explanation of the credit exceptions and the recommended action necessary to correct the deficiencies and improve the banks position.
In the event of minor technical documentation discrepancies or identified potential credit weakness communicate directly with the Loan Officer and Credit Analyst Manager requesting correction of the discrepancies and recommending alternatives for improving the credit lines. Perform follow-up action as necessary until corrected.
As required perform services and projects for the department and the bank.
Attend Credit Department and other committee meetings as requested by management.
Act in accordance with FBT policies and procedures as set forth in the employee handbook.
Adhere to compliance procedures and participate in compliance training.
The anticipated salary range for this role is between $59477.48 and $80295.27. This range is a good faith estimate for the position. The actual compensation offered to a candidate may differ based on various factors including the individuals relevant experience training skills work location and other considerations. For those in eligible roles we offer incentive compensation based on individual performance. Furthermore this role may qualify for a variety of benefits such as Medical Dental and Vision insurance Health Savings Accounts 401(k)/ESOP Paid Time Off Flexible Work Arrangements Paid Parental Leave and Student Loan Repayment Assistance. Learn more at
Compensation Grade
Salary Grade 5First Bank & Trust is an Equal Opportunity Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity or expression national origin disability or status as a protected veteran. Read our completeEqual Employment Opportunity Policy Statement. Applicants who would like to request reasonable accommodation to the application or interview process should call Human Resources at 800.843.1552 or email.
Required Experience:
IC
Key Skills
- Financial Statement Preparation
- Credit Analysis
- Cash Flow Analysis
- Math
- Banking
- Analysis Skills
- UCC Law
- Underwriting
- Financial Analysis
- Financial Modeling
- Financial Report Interpretation
- Word Processing
