Commercial Credit Analyst: Drive Smart Lending Decisions

AppleOne Employment Services; Novato (CA); On-site; USD 70,000 - 90,000; Full time

Job summary

AppleOne Employment Services is seeking a Credit Analyst to support commercial lending decisions by analyzing borrower financials, assessing risk, and preparing credit recommendations. You will analyze and spread financial statements, review tax returns, and evaluate cash flow and repayment capacity.

The role involves collaborating with lenders and ensuring accurate loan documentation. This position is ideal for candidates with a banking, credit union, underwriting, or credit management

Qualifications

• 2+ years of commercial banking, credit analysis, underwriting, or credit management experience.
• Experience analyzing business and personal tax returns.
• Financial statement spreading experience required.
• Knowledge of commercial lending and credit risk principles.
• Understanding of loan documentation and collateral requirements.
• Strong Excel and Microsoft Office skills.
• Bachelor's Degree in Finance, Accounting, Business, or related field preferred.

Responsibilities

• Analyze and spread business & personal financial statements.
• Review business and personal tax returns.
• Evaluate cash flow, liquidity, leverage, and repayment capacity.
• Prepare credit presentations and loan recommendations.
• Review loan documentation and supporting financial information.
• Partner with lenders and relationship managers on commercial loan requests.
• Support credit risk assessment and portfolio management activities.

Skills

Commercial banking experience

Credit analysis

Underwriting

Credit risk principles

Education

Bachelor's Degree in Finance/Accounting/Business

Tools

Excel

Microsoft Office

Job description

AppleOne Employment Services is seeking a Credit Analyst to support commercial lending decisions by analyzing borrower financials, assessing risk, and preparing credit recommendations. You will analyze and spread financial statements, review tax returns, and evaluate cash flow and repayment capacity.

The role involves collaborating with lenders and ensuring accurate loan documentation. This position is ideal for candidates with a banking, credit union, underwriting, or credit management