Credit Analyst

Jobot; Los Angeles (CA); On-site; USD 48,000 - 62,000; Full time

Benefits offered by this job

Medical Benefits

401k

Great office culture

Job summary

Jobot is seeking a Credit Analyst in Los Angeles, CA to support underwriting, portfolio monitoring and loan committee decisions for commercial lending services.

The role focuses on analyzing financial statements, tax returns, cash flow and DSCR, with emphasis on accuracy, risk assessment and clear credit memoranda for committee review. On-site with a collaborative office culture and strong team environment.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or a related field
• 2+ years of credit analysis or underwriting experience at a bank, commercial lender, or CRE lending/advisory firm
• Hands-on experience with financial spreading, tax return analysis (1040, 1065, 1120/1120S), global cash flow, and DSCR calculations
• Strong credit memo writing and ability to present a clear recommendation to the credit committee
• Advanced Excel skills (financial modeling, lookups, pivot tables)
• Exposure to CRE lending, appraisals, or real estate valuation
• Detail-oriented, organized, and capable of managing multiple deals on deadline

Responsibilities

• Underwrite new commercial loan requests by spreading financial statements and tax returns and analyzing cash flow and DSCR
• Write clear credit memoranda with risk factors and mitigants for loan committee
• Build and maintain Excel financial models and loan sizers with projections and stress testing
• Evaluate CRE and owner-occupied collateral using appraisals and market data for LTV analysis
• Monitor loan portfolio through annual reviews and covenant checks, flag deterioration
• Ensure loans meet internal policy and documentation with other teams
• Prepare portfolio reports for senior management and board, automate recurring reports

Skills

Credit analysis

Underwriting

Financial modeling

Excel

Education

Bachelor's degree in Finance, Accounting, Economics, or related field

Master's in Finance, Business Analytics, or MBA preferred

Tools

Excel

CreditQuest

Job description

Credit Analyst

$35 - $45 per hour | Los Angeles, CA | On-site | Consulting

Credit Analyst – Commercial Business Lending

A bit about us:

Our client is a growing commercial lender in Los Angeles that serves small and mid-sized businesses and commercial real estate investors. They're adding a Credit Analyst to their credit team to support underwriting, portfolio monitoring, and loan committee decisions across a growing pipeline.

Why join us?

• Medical Benefits + 401k
• Great office culture

Job Details

What You'll Do

• Underwrite new commercial loan requests by spreading business and personal financial statements and tax returns, and analyzing global cash flow, DSCR, leverage, liquidity, and collateral coverage
• Write clear credit memoranda that evaluate repayment capacity, risk factors, and mitigants, with recommended structure and risk ratings for loan committee
• Build and maintain Excel financial models and loan sizers, including projections, stress testing, and sensitivity analysis to quantify downside risk
• Evaluate CRE and owner-occupied collateral using appraisals, comparable sales, and market data to support LTV and collateral analysis
• Monitor an assigned loan portfolio through annual reviews, covenant compliance checks, and risk rating updates, and flag early signs of credit deterioration
• Make sure loans meet internal credit policy and documentation requirements, working alongside the lending, closing, and servicing teams
• Prepare portfolio and concentration reporting for senior management and the board, and help automate recurring reports where possible
• Work with loan officers, borrowers, and third parties (appraisers, CPAs, attorneys) to gather due diligence and resolve open credit items
• Support internal audit and regulatory examinations as needed

What You Bring

• Bachelor's degree in Finance, Accounting, Economics, or a related field; Master's in Finance, Business Analytics, or MBA preferred
• 2+ years of credit analysis or underwriting experience at a bank, commercial lender, or CRE lending/advisory firm
• Hands-on experience with financial spreading, tax return analysis (1040, 1065, 1120/1120S), global cash flow, and DSCR calculations
• Strong credit memo writing and the ability to present a clear recommendation to credit committee
• Advanced Excel skills (financial modeling, lookups, pivot tables)
• Exposure to CRE lending, appraisals, or real estate valuation
• Detail-oriented, organized, and comfortable managing multiple deals on deadline

Preferred

• Experience with loan origination or credit systems (CreditQuest, Lending Cloud, nCino, Sageworks/Abrigo)
• SQL, Power BI, or Tableau for portfolio reporting
• Progress toward CFA, or credit training such as RMA or CBCA

Jobot is an Equal Opportunity Employer. We provide an inclusive work environment that celebrates diversity and all qualified candidates receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. Jobot also prohibits harassment of applicants or employees based on any of these protected categories. It is Jobot’s policy to comply with all applicable federal, state and local laws respecting consideration of unemployment status in making hiring decisions.

Sometimes Jobot is required to perform background checks with your authorization. Jobot will consider qualified candidates with criminal histories in a manner consistent with any applicable federal, state, or local law regarding criminal backgrounds, including but not limited to the Los Angeles Fair Chance Initiative for Hiring and the San Francisco Fair Chance Ordinance.