Commercial Loan Analyst Job in Oxnard 93036, California US
County Commerce Bank, a nationally and locally recognized award winning bank, is seeking an experienced, qualified Commercial Loan Analyst for its team of banking professionals.
Description: Individual will work closely with the SVP/Chief Lending Officer and relationship managers in evaluating risk based on in depth analysis of complex financial data utilizing extensive credit and financial statement analysis skills. Focus of position is ensuring that the approval procedures, credit standards, and controls conform to the Bank’s established policy and procedures, government guidelines, and regulatory agency requirements.
Specific Job Duties:
ª Supports Credit Administration by accurately and efficiently performing credit analysis of applications.
ª Spreads financial statements and prepares comprehensive financial projections.
ª Obtains information from a wide range of sources, including but not limited rating agencies, market data and relevant financial information.
ª Stays informed of market and/or economic conditions to anticipate changes that may affect credit risk. Provides analysis and clear and concise recommendations to Credit Administration.
ª Coordinates ordering documents and assists in the documentation process to evidence debt, ensure bank’s security interest needs are met, and to comply with regulatory and legal requirements.
ª May participate in preparation of credit/requests/reviews of varying complexity.
ª Prepares and presents comprehensive written reports for SVP/Chief Lending Officer and EVP/Chief Operating Officer.
ª Participates in Dept. meetings and partners with relationship managers.
ª Ensures timely and accurate maintenance of database, including client data, changes to credit records, and collateral status and amendments to financial reports.
ª Meets with prospects and clients in an effort to completely understand their individual business requirements.
ª Manage a portfolio of individual business relationships.
Prerequisites:
· Education Minimum-Bachelor’s Degree, preferably in Finance or Accounting.
· Experience Minimum: 3+ years working as Financial Analyst in banking or similar financial institution environment, of these 3 years, at least 2 years spent as a senior level Financial Analyst.
· Extensive knowledge and application of principles and practices of commercial lending, real estate, and consumer lending, loan structuring and documentation.
· Working knowledge of banking – regulatory, legal, and compliance.
· Excellent inter-personal, written verbal communication skills and ability to work with multi-level management and clients.
· Strong report writing and presentation skills.
· Proficient in all Microsoft Office applications.
Interested and qualified candidates please send resume to:
· careers@countycommercebank.com
or contact: RICHARD FAVOR at (805) 477-7608
Equal Opportunity Employer
More about County Commerce Bank: www.CountyCommerceBank.com