Commercial Credit Analyst

Fremont Bank; Livermore (CA); On-site; USD 70,000 - 100,000; Full time

Job summary

Fremont Bank is seeking a Commercial Credit Analyst to analyze financial information and legal/entity documentation for small business loan origination and renewal. You will prepare high level loan credit memoranda and collaborate with internal partners to ensure accurate, timely loan delivery.

The ideal candidate will review personal and business financial statements, tax returns, and credit reports, while maintaining strict attention to detail and compliance.

Qualifications

• Experience analyzing personal and business financial statements.
• Experience reviewing personal credit reports and tax returns.
• Strong detail orientation and accuracy in loan packages.

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 for loan packages
• Review borrower credit and tax documents
• Monitor portfolio loans via annual reviews
• Process commercial credit card applications

Skills

Credit analysis

Financial statements

Tax returns

Credit reports

Documentation

Attention to detail

Portfolio monitoring

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