Commercial Credit Analyst

Fremont-Bank; Livermore (CA); On-site; USD 47,000 - 54,000; Full time

Benefits offered by this job

Health insurance

401(k) with employer match

ESOP

On-site gym

Job summary

Fremont Bank seeks a Commercial Credit Analyst in Livermore, CA to analyze financial data and entity documents for small business loan origination and renewals. You will prepare loan memoranda and collaborate with internal teams to ensure accurate, timely loan delivery.

The role supports the bank's credit policy, underwriting guidelines, and portfolio monitoring, with opportunities to participate in special projects and growth within existing client relationships.

Qualifications

• Some college-level work in Business, Finance, or Accounting.
• Minimum of two years banking experience in administrative/analytical support.
• Strong verbal and written communication skills, including presenting at meetings.
• Ability to deliver excellent service to teammates, sales staff, and customers.

Responsibilities

• Run and Analyze Personal Credit Reports.
• Spread Tax Returns and Business Financial Statements.
• Analyze Personal Financial Statements.
• Collect and manage financial information and legal/entity documentation to complete loan packages.
• Review borrower credit, including credit reports and tax returns.
• Assist in monitoring key performance indicators for portfolio loans.
• Process commercial credit card applications.
• Work with branches and private bankers to develop new and existing relationships.
• Understand and follow bank credit policy and underwriting guidelines.
• Participate in the credit administration team from loan start to close.
• Handle special projects as requested by management.
• Perform other duties as assigned.

Skills

Strong communication

Customer service

Analytical thinking

Banking experience

Education

Some college work in Business/Finance/Accounting

Tools

Spreading software

Job description

Position Summary

The Commercial Credit Analyst is responsible for analysis of financial information and legal entity documentation for the origination and renewal of small business loans processed through the bank’s small business credit scoring model, while presenting conclusions documented via high level loan credit memoranda. The Commercial Credit Analyst is a positive, motivated team player who works both individually and as part of a high performing team to assist in achieving the Commercial Lending Department’s objectives; on‑time loan delivery, loan monitoring, and servicing internal and external customers with a high level of accuracy and service.

Why Fremont Bank?

Founded in 1964, Fremont Bank is one of the oldest independently owned banks in the Bay Area and has been consistently recognized as a Top Workplace for the past 15 consecutive years. Our foundation is built on relationships — with our clients, our associates, and our communities.

We offer:

• A people‑first culture grounded in inclusion and excellence
• Deep community involvement and local reinvestment
• A mission‑driven workplace where values and performance go hand in hand

The Fremont Bank Way

• Full‑Service Banking with comprehensive financial solutions, advanced technology, and exceptional service
• No‑Compromise Approach — we help clients get to "yes"
• Core Values:
  • Go above and beyond for clients
  • Foster a supportive and empowering environment for associates
  • Deeply invest in the well‑being of our local community

Key Responsibilities

• Run and Analyze Personal Credit Reports
• Spread Tax Returns and Business Financial Statements
• Analyze Personal Financial Statements
• Collection and control of financial information and legal/entity documentation to complete loan packages for the origination, handling communication with internal business partners and third parties
• Review and understand borrower credit, including credit report, personal and business financial statements, personal and business tax returns, and schedule of real estate owned
• Assist in monitoring key performance indicators for portfolio loans through annual loan reviews
• Process commercial credit card applications
• Work closely with retail branches and private bankers to establish banking relationships with new business clients as well as develop growth within existing client relationships.
• Understand and adhere to Bank credit policy, current bank underwriting guidelines, and current credit appetite
• Participate as a proactive member of the credit administration team, from the start of a loan through to closing
• Special projects as requested from management
• Perform other duties and responsibilities as assigned.

Qualifications & Skills

• Some college level work in Business/Finance/Accounting
• Minimum of two years previous banking experience in administrative/analytical support
• Strong verbal and written communication skills, including presenting at meetings
• Preferred to have understanding of Global Cash Flow and Business Cash Flow
• Preferred to have experience with business financial statements and spreading software
• Ability to deliver excellent service to teammates, sales staff, and customers
• Ability to work in a fast‑paced environment while delivering accurate and quality work product

Physical Requirements

The physical requirements described below are representative of those that must be met to successfully perform the essential functions of this position, with or without reasonable accommodation.

• Ability to remain in a stationary position for extended periods (e.g., sitting or standing).
• Frequent use of a computer and other office equipment.
• Ability to communicate effectively with colleagues and customers.
• Occasionally move or lift items up to 10 pounds.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the position.

What Makes Fremont Bank Associates Thrive?

• Team Players who go above and beyond to support their colleagues
• Action‑Oriented professionals who challenge the status quo and seek improvement
• Purpose‑Driven individuals who understand and champion the bank’s community impact

Benefits Snapshot

Health & Wellness

• Medical, dental, and vision insurance
• Flexible Spending Accounts (FSA, Dependent Care, Health Savings)

Financial & Retirement

• Employee Stock Ownership Plan (ESOP)
• 401(k) with employer match
• Performance‑based bonuses or incentives

Work‑Life & Perks

• Paid holidays, vacation, and sick time
• Free personal checking and savings accounts
• Home loan rate discounts
• Tuition reimbursement and professional development resources
• On‑site gym and discounted health club memberships
• Employee Assistance Program (EAP)

Equal Opportunity Employer

Fremont Bank is proud to be an Equal Opportunity Employer. We are committed to creating an inclusive environment for all employees, regardless of race, color, religion, sex, gender identity, sexual orientation, national origin, age, disability, veteran status, or any other protected classification.

Salary Range

The hiringsalaryrange isbased on factors such as experience, skills, education, and internal equity. Compensation decisions are made in consideration of these factors and in alignment with Fremont Bank’s compensation philosophy.

Salary Range

USD $33.65 - USD $39.00 /Hr.

Employee Stock Ownership Plan (ESOP)

The Employee Stock Ownership Plan (ESOP) is a way for Fremont Bank to contribute to the financial well‑being of associates by making a contribution to their retirement account. In addition, the ESOP provides associates an opportunity to share in the growth and prosperity of Fremont Bank.