Credit Analyst II - Middle Market

City National Bank; Ontario (CA); On-site; CAD 91,000 - 145,000; Full time

Benefits offered by this job

Healthcare coverage

401(k) plan

Tuition Reimbursement

Vacation and sick leave

Fertility and family planning benefits

Career Mobility

Job summary

City National Bank in Ontario, CA is hiring a Credit Analyst II to support credit analysis and portfolio management for middle market clients. The role focuses on underwriting support, portfolio reviews, and learning underwriting and risk management practices within a client‑facing team.

You will analyze credit data, prepare reports, and collaborate cross-functionally to ensure high credit quality and regulatory compliance.

Qualifications

• Bachelor's degree required in Finance, Business, or related field.
• Desire to learn credit underwriting and portfolio management principles.
• Strong analytical and communication skills to interpret data and support decisions.

Responsibilities

• Serve middle market clients across a range of industries and geographies.
• Provide customized credit and banking solutions to support working capital, growth, and acquisitions.
• Operate within a relationship-focused model emphasizing risk management and client partnerships.
• Perform credit analysis to assess borrower, guarantor, and sponsor creditworthiness.
• Monitor portfolio performance through periodic reviews and covenant tracking.
• Analyze credit data, market reports, and trends to prepare credit presentations for underwriting.

Skills

Communication skills

Analytical thinking

Education

Bachelor's Degree in Finance, Business, or related field

Job description

CREDIT ANALYST II - Middle Market

In Office, Ontario, CA.

WHAT IS THE OPPORTUNITY?

The Credit Analyst is an entry-level position responsible for supporting credit analysis and portfolio management activities. This role involves assisting with credit underwriting and portfolio review activities. The Credit Analyst will learn how to analyze credit data, prepare reports, conduct periodic portfolio reviews, and other activities required to underwrite and manage a portfolio of credits. The Credit Analyst is expected to have a strong desire to learn underwriting and portfolio management skills, helping to maintain high standards of credit quality and compliance.

WHAT IS THE OPPORTUNITY?

The Credit Analyst is an entry-level position responsible for supporting credit analysis and portfolio management activities. This role involves assisting with credit underwriting and portfolio review activities. The Credit Analyst will learn how to analyze credit data, prepare reports, conduct periodic portfolio reviews, and other activities required to underwrite and manage a portfolio of credits. The Credit Analyst is expected to have a strong desire to learn underwriting and portfolio management skills, helping to maintain high standards of credit quality and compliance.

WHAT WILL YOU DO?

• Serve middle market clients – typically privately held companies with annual revenues ranging from $50 million to $1 billion – across a wide range of industries and geographies.
• Provide customized credit and banking solutions to support working capital, capital expenditures, growth, acquisitions, and other strategic business needs.
• Operate within a relationship-focused model that emphasizes risk management, cross-functional collaboration, and long-term client partnerships.
• Credit Analysis: Performs credit analysis activities to assess creditworthiness of borrowers, guarantors, and sponsors.
• Performance Monitoring: Performs portfolio management activities to monitor and analyze portfolio performance, including periodic reviews and covenant tracking.
• Data Analysis: Analyzes credit data, market and industry reports, trendcards, and prepare credit presentations to support underwriting and portfolio management.
• Risk Management: Supports effective risk management practices, maintaining high standards of credit quality and origination in alignment with Bank’s credit risk appetite, and compliance with institutional and regulatory requirements.
• Collaboration: Works closely with team members to ensure cohesive and effective credit operations. Participate in ad-hoc projects to support the organization’s priorities.
• Learning and Development: Demonstrates a strong desire to learn underwriting and portfolio management skills, actively seeking opportunities for professional growth and development.

WHAT DO YOU NEED TO SUCCEED?

Required Qualifications*

• Bachelor's Degree or equivalent in Finance, Business, or related field

Additional Qualifications

• Desire to learn about credit management and lending operations as well as risk management principles
• Strong communication and collaboration skills
• Analytical skills, with interest in learning how to interpret complex data and make informed decisions

WHAT'S IN IT FOR YOU?

Compensation

Starting base salary: $31.39 - $50.14 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

Benefits and Perks

Benefits

At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:

• Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
• Generous 401(k) company matching contribution
• Career Development through Tuition Reimbursement and other internal upskilling and training resources
• Valued Time Away benefits including vacation, sick and volunteer time
• Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
• Career Mobility support from a dedicated recruitment team
• Colleague Resource Groups to support networking and community engagement

Get a more detailed look at our Benefits and Perks.

About Us

Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America’s leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at About Us.

INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT

City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

• Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.

Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.