Credit Analyst - Irvine, CA

Zions Bancorporation; Irvine (CA); On-site; USD 72,000 - 89,000; Full time

Benefits offered by this job

Medical, Dental & Vision

401(k) match

Paid Time Off

Tuition Reimbursement

Mental health benefits

Adoption Assistance

Job summary

California Bank & Trust in Irvine seeks a Credit Analyst to conduct credit investigations, analyze financial information, and prepare credit summaries for loan decisions in a fast-paced banking environment.

The role emphasizes accurate documentation, monitoring loan progress, and collaboration with loan officers. Competitive benefits start day one, with opportunities for growth within Zions Bancorporation.

Qualifications

• Bachelor's degree and 1+ year of credit analysis experience.
• Knowledge of commercial credit principles and financial statement analysis.
• Strong verbal and written communication; ability to work with lending officers.
• Ability to make sound loan decisions.

Responsibilities

• Conducts credit investigations and analyzes loan-related credit information.
• Prepares summaries and opinions on creditworthiness.
• Maintains documentation in credit files and monitors account progress.
• Assists with industry research and special projects.
• Accompanies lenders on business calls.

Skills

Credit analysis

Written communication

Verbal communication

Decision making

Financial statement analysis

Education

Bachelor's degree

Job description

Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate’s unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive.

As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for “Best Bank” and “Best Commercial Bank” from the readers of San Diego Union-Tribune and Orange County Register. Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for “Overall Client Satisfaction” in Small Business & Middle Market Excellence Awards.

We are looking for a Credit Analyst to provide top notch customer service to our clients and customers in Irvine,CA. This role is responsible for conducting credit investigations and analyzing financial information to assess creditworthiness, preparing summaries with findings and opinions, ensuring all credit files are properly documented, and monitoring account progress to keep loan officers informed.

Essential Functions:

• Conducts credit investigations and analyzes credit information pertaining to loans.
• Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
• Analyzes financial statements and related material.
• Analyzes financial conditions and trends.
• Reviews and reports non-compliance with loan covenants.
• Determines cash flow using appropriate tax analysis.
• Prepares summaries, presents facts, and offers opinions concerning creditworthiness.
• Provides credit information and references for customers, loan officers, or other agencies as requested.
• May provide rates and loan information to clients.
• Ensures that all credit files include proper documentation including current financial statements, agency reports, etc.
• Maintains control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed.
• Writes credit memorandums.
• Accompanies lenders on business calls.
• Conducts industry research.
• Assists with special projects as assigned.

Qualifications:

• Requires a Bachelor's and 1+ years of credit analysis experience, lending/credit procedures and processes or other directly related experience. A combination of education and experience may meet requirements.
• Basic knowledge of financial and spread analysis and credit/lending procedures for less complex loans.
• Knowledge of and ability to apply commercial credit principles, theories, concepts, and techniques.
• Ability to work with lending officers and staff.
• Good communication skills, both verbal and written.
• Ability to make sound decisions regarding loans.
• Medical, Dental and Vision Insurance – START DAY ONE!
• Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts
• Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits, including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees
• Employee Ambassador preferred banking products

This position is eligible to earn a base salary in the range of $72,000 - $89,000 annually depending on job-related factors such as level of experience.

This position will be open until filled.

All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.

Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.

It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.

California Bank and Trust a division of Zions Bancorporation, N.A. Member FDIC