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, a growing commercial lender in Los Angeles, seeks a mid-level Credit Analyst to underwrite commercial loan requests and analyze financial statements, tax returns, and DSCR.

You will prepare credit memoranda, build financial models, and support portfolio monitoring and reporting for senior management and the board.

Qualifications

• 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.

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 with risk factors and recommended structure for loan committee.
• Build and maintain Excel financial models and loan sizers with projections, stress testing, and sensitivity analysis.
• Evaluate CRE and owner-occupied collateral using appraisals and market data for LTV and collateral analysis.
• Monitor a loan portfolio with annual reviews, covenant checks, and risk rating updates.

Skills

Advanced Excel

Credit analysis

Financial modeling

Loan underwriting

Education

Bachelor's degree in Finance, Accounting, Economics

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

Tools

CreditQuest

Lending Cloud

nCino

Sageworks/Abrigo

Job description

Job Description

Experience: Mid Level

Salary: $35 - $45 per hour

Job Details

• 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

#accounting-finance #underwriting #finance #credit-analysis #spreading-financials #tier4