Credit Analyst

Leoforce; 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

Leoforce is seeking a Credit Analyst in Los Angeles to underwrite commercial loan requests, spread financials, and assess risk. You will develop credit memoranda and present recommendations to the loan committee, while building robust Excel models and conducting stress testing.

You will interact with loan officers, borrowers, and third parties to gather due diligence, support portfolio reviews, and ensure compliance with credit policy.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics or related field.
• 2+ years of credit analysis or underwriting experience at a bank, lender, or CRE firm.
• Hands-on experience with financial spreading, tax return analysis, DSCR calculations.
• Strong credit memo writing and presentation for credit committee.

Responsibilities

• Underwrite new commercial loan requests by spreading financial statements and tax returns and analyzing cash flow, DSCR, leverage, liquidity and collateral.
• Write clear credit memoranda evaluating repayment capacity, risk factors and mitigants with recommended structure.
• Build and maintain Excel models and loan sizers with projections and stress testing.
• Evaluate CRE/owner-occupied collateral using appraisals and market data to support LTV and analysis.
• Monitor loan portfolio with annual reviews, covenant checks and risk rating updates.

Skills

Credit analysis

Underwriting

Excel

Financial modeling

DSCR calculations

Credit memo writing

Risk assessment

Education

Bachelor's degree in Finance, Accounting, Economics

Master's in Finance / MBA preferred

Tools

CreditQuest

Lending Cloud

nCino

Sageworks/Abrigo

Job description

Credit Analyst

Experience: Mid Level

Salary: $35 - $45 per hour

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

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