Credit Analyst II Job in Irvine 92614, California US
California Bank Trust (CBT) is among the leading banks based in California with nearly $10 billion in assets. Our corporate headquarters are located in San Diego, in addition we have approximately 1,800 associates employed at our branch offices and other business units located throughout the state.
Starting as a group of individually-owned banks throughout the state, California Bank Trust has helped Californians and their businesses grow and prosper for over 50 years. And we've grown with California, by combining the responsiveness of a local bank with the comprehensive services offered by major financial institutions.
Zions Bancorporation, our parent company, is one of the nation's premier financial services companies, consisting of a collection of great banks in select high growth markets. Zions operates its banking businesses under local management teams and community identities through over 500 offices in 10 Western states. The company is a leader in small business lending and agricultural and public finance. Zions Bancorporation (NASDAQ: ZION) is a member of the SP 500 Index and the NASDAQ Financial 100 Index. We have many opportunities both at Zions Bancorporation and our affiliates. Wherever you find your fit in the Zions family, we look forward to working with you!
Equal Opportunity Employer
Credit Analyst II
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 credit-worthiness. 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. Accompanies lenders on business calls. Conducts industry research. Assists with special projects as assigned.
Typically requires a Bachelors and 2 years of credit analysis experience. Full use and application of commercial credit principles, theories, concepts, and techniques. Working knowledge of financial and spread analysis and credit/lending procedures for moderately complex loans. PC skill required. Conversational Spanish a plus.
