Credit Analayst

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

Credit Analyst | Commercial Banking

Join a respected community bank and help drive smart lending decisions!

Are you experienced in commercial credit analysis, financial statement spreading, and tax return analysis? We're seeking a Credit Analyst to support commercial lending decisions by analyzing borrower financials, assessing risk, and preparing quality credit recommendations.

This is an excellent opportunity for candidates coming from a banking, credit union, commercial lending, underwriting, or credit management background.

What You'll Do

• 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

What We're Looking For

• 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

Ideal Backgrounds

• Credit Manager
• Commercial Credit Manager
• Senior Credit Analyst
• Commercial Credit Analyst
• Credit Officer
• Commercial Underwriter
• Portfolio Manager
• Commercial Banking Analyst

Equal Opportunity Employer / Disabled / Protected Veterans

The Know Your Rights poster is available here: https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12.pdf

The pay transparency policy is available here: https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf

For temporary assignments lasting 13 weeks or longer, AppleOne is pleased to offer major medical, dental, vision, 401k and any statutory sick pay where required.

We are committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation for any part of the employment process, please contact your staffing representative who will reach out to our HR team.

AppleOne participates in the E-Verify program in certain locations as required by law. Learn more about the E-Verify program. https://e-verify.uscis.gov/web/media/resourcesContents/E-Verify_Participation_Poster_ES.pdf

We also consider for employment qualified applicants regardless of criminal histories, consistent with legal requirements, including, if applicable, the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. Pursuant to applicable state and municipal Fair Chance Laws and Ordinances, we will consider for employment-qualified applicants with arrest and conviction records, including, if applicable, the San Francisco Fair Chance Ordinance. For Los Angeles, CA applicants: Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act.