Credit Analyst

AppleOne; Novato (CA); On-site; USD 34,000 - 55,000; Full time

Job summary

AppleOne Employment Services in Novato, CA seeks a Credit Analyst for a contract/temporary role. The analyst will spread financial statements and tax returns, support loan evaluations, and coordinate with internal banking teams to ensure accurate credit decisions.

The ideal candidate has 2–4 years of related experience, a bachelor’s degree, and strong Excel/Word skills. This position emphasizes accuracy, accountability, and teamwork in a structured lending environment.

Qualifications

• Spread financial information from business and personal financial statements.
• Review and analyze business and personal tax returns.
• Support credit review and loan analysis processes.
• Work with loan documentation and banking system information.
• Bachelor’s degree or equivalent combination of education, experience, and training.
• Basic accounting knowledge and proficiency with Word/Excel.

Responsibilities

• Spread and analyze business and personal financial statements, tax returns, and related documentation.
• Support credit review activities by organizing financial information for loan evaluation and decision-making.
• Review loan documentation requirements, including notes, loan agreements, security agreements, and title documents.
• Collaborate with internal banking teams across lending, branch, consumer loan, and other groups.
• Communicate financial concepts clearly to internal stakeholders, in verbal and written form.
• Maintain a professional, team-oriented approach and meet deadlines.

Skills

Financial statement spreading

Tax return analysis

Credit review processes

Loan analysis

Verbal and written communication

Team player

Banking structure understanding

Education

Bachelor’s degree

Basic accounting knowledge

Tools

Microsoft Word

Microsoft Excel

Banking systems

Job description

Job Summary

We are seeking a Credit Analyst for a Contract/Temporary opportunity in Novato, CA. This role is ideal for a finance or banking professional with experience reviewing business and personal financial statements, spreading financial information, and analyzing tax returns.
The Credit Analyst will support credit review and lending functions by helping organize, interpret, and communicate financial information used in credit decisions. This opportunity offers exposure to a professional banking environment, collaborative internal teams, and leadership that values accuracy, accountability, communication, and teamwork. The role is well-suited for someone who enjoys detailed financial analysis, structured processes, and contributing to sound lending practices.

Key Responsibilities

• Spread and analyze business and personal financial statements, tax returns, and related financial documentation.
• Support credit review activities by organizing financial information for loan evaluation and decision-making.
• Review loan documentation requirements, including notes, business loan agreements, security agreements, and title documents.
• Work with internal banking teams, including lending, branch, consumer loan, construction real estate loan, and cash management groups.
• Communicate financial concepts clearly in verbal and written form to internal stakeholders.
• Maintain a professional, team-oriented approach while supporting department needs and meeting deadlines.

Required Qualifications and Skills

• Spread financial information from business and personal financial statements.
• Review and analyze business and personal tax returns.
• Support credit review and loan analysis processes.
• Work with loan documentation and banking system information.
• 2 to 4 years of related experience and/or training.
• Bachelor’s degree from a four-year college or university, or an equivalent combination of education, experience, and training.
• Basic accounting knowledge through college coursework or equivalent work experience.
• Experience with financial statement and tax return spreading practices.
• Proficiency with Microsoft Word and Excel.
• Proficiency in bank loan and deposit accounting systems.
• Basic understanding of loan documentation, including notes, business loan agreements, security agreements, and title documents.
• Working understanding of banking structure and internal banking functions.
• Strong verbal and written communication skills with the ability to understand and explain financial concepts.
• Positive team contributor with a professional attitude, willingness to assist others, and ability to receive and apply feedback.
• Professional demeanor when interacting with internal teams, vendors, service providers, and other contacts.

Preferred Qualifications

Not specified.

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.