Credit Analyst

Automatic Data Processing, Inc.; California; On-site; USD 50,000 - 75,000; Full time

Job summary

New Omni Bank in California seeks a Credit Analyst to support the commercial lending team by managing a portfolio of loan relationships, ensuring quality, performance, and compliance, and delivering exceptional client service. The role collaborates with portfolio managers, relationship managers, and credit staff to maintain credit quality and support growth.

You will work with Portfolio Managers, Relationship Managers, Credit Administrators, and CLO to monitor risk, prepare credit memos, track

Qualifications

• Bachelor's degree in math, accounting, finance, or related field
• 1+ year of commercial lending, credit analysis, or portfolio management experience
• Strong communication, analytical, critical thinking, and organizational skills
• Proficiency in Microsoft Office and banking software preferred
• Bilingual required; Chinese and English preferred

Responsibilities

• Portfolio management: monitor performance of assigned commercial loan accounts, including financial statement tracking, covenant compliance, and risk rating reviews.
• Credit analysis support: assist in preparation of credit memos, annual reviews, and loan renewals by gathering and analyzing financial data, industry trends, and borrower performance.
• Client relationship support: serve as a point of contact for clients regarding loan servicing matters, including disbursements, payments, and documentation requests.
• Construction loan monitoring: track construction project progress, processing construction loan draws, maintain records of disbursements and remaining loan availability, and prepare quarterly reports.
• Risk monitoring: identify early warning signs of credit deterioration and escalate as needed.
• Compliance & documentation: ensure all loan files are complete and comply with internal policies, regulatory requirements, and audit standards.
• Reporting: prepare and maintain portfolio reports, including delinquency reports, pipeline tracking, and loan maturity schedules.
• Collaboration: work closely with internal departments and third-party vendors to ensure smooth loan processing and servicing.

Skills

Communication

Analytical

Critical thinking

Organization

Education

Bachelor’s degree in mathematics, accounting, finance, or related field

Tools

Microsoft Office

Excel

Job description

Salary Range: $50,000.00 To $75,000.00 Annually

Credit Analyst

Join Our Team, Shape Your Future

At New Omni Bank, we believe in the power of talent and innovation to drive success. As a dynamic and forward-thinking financial institution, we’re always on the lookout for individuals who share our passion for excellence and are ready to make a meaningful impact.

About New Omni Bank

We were founded in 1980 on a simple idea of helping our neighbors—a community of immigrants in Los Angeles, coming from diverse backgrounds, finding it hard to get precise banking solutions for their unique needs.

For over four decades of creativity, innovative thinking, and above all – attentiveness, are the hallmarks of our services. Coupled with our extensive network and on-the-ground expertise, we’ve been the catalyst for countless clients, guiding them to grow and thrive in California, across the Pacific, and at every twist and turn. Our legacy of empowerment is proven by continuous recognitions, like a 5-Star Rating from BauerFinancial, Inc. for over 40 quarters.

Position Summary

The Credit Analyst plays a critical role in supporting the commercial lending team by managing and monitoring a portfolio of commercial loan relationships. This position ensures the ongoing quality, performance, and compliance of the loan portfolio while providing exceptional service to clients. The Credit Analyst works closely with Portfolio Managers, Relationship Managers, Credit Administrators & CLO to maintain credit quality, identify risk trends, and support new business development efforts.

Essential Job Functions and Responsibilities (Duties not limited to those provided here):

• Portfolio Management. Monitor the performance of assigned commercial loan accounts, including financial statement tracking, covenant compliance, and risk rating reviews.
• Credit Analysis Support. Assist in the preparation of credit memos, annual reviews, and loan renewals by gathering and analyzing financial data, industry trends, and borrower performance.
• Client Relationship Support. Serve as a point of contact for clients regarding loan servicing matters, including disbursements, payments, and documentation requests.
• Construction Loan Monitoring. Track construction project progress, processing construction loan draws, maintain records of disbursements and remaining loan availability, and prepare quarterly reports
• Risk Monitoring. Identify early warning signs of credit deterioration and escal ...
• Compliance & Documentation. Ensure all loan files are complete and comply with internal policies, regulatory requirements, and audit standards.
• Reporting. Prepare and maintain portfolio reports, including delinquency reports, pipeline tracking, and loan maturity schedules.
• Collaboration. Work closely with internal departments and third-party vendors to ensure smooth loan processing and servicing.

Qualifications:

• Bachelor’s degree in mathematics, accounting, finance, or related field required; advanced degree preferred
• 1+ year of experience in commercial lending, credit analysis, or portfolio management preferred
• Strong communication, analytical, critical thinking, and organization skills
• Proficiency in Microsoft office suite and experience in excel and banking software preferred
• Bilingual required; Chinese and English preferred

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to use hands or fingers, handle, or feel and reach with hands and arms. The employee frequently is required to walk, stand, sit, climb, or balance, and talk or hear. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, and ability to adjust focus. The employee may be required to work at other locations of the Bank.

The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or physical requirements. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

New Omni Bank, National Association commits to following compliance and adherence to all applicable regulatory requirements, policies, and procedures.

New Omni Bank, National Association’s policy is to provide equal employment opportunities to all applicants and employees without regard to race, color, creed, gender, gender identity or expression, age, national origin or ancestry, citizenship, disability, sexual orientation, marital status, pregnancy, veteran status, membership in the uniformed services, genetic information, or any other basis protected by applicable law.