Credit Officer I

Citizens Business Bank; Walnut Creek (CA); On-site; USD 74,000 - 103,000; Full time

Job summary

Citizens Business Bank is seeking a Credit Officer I in Walnut Creek, CA. The role focuses on credit analysis for smaller, non-complex credits, reviewing credit requests, spreading financial statements and tax returns, and preparing clear RCE reports for internal use.

The position requires a four-year college or certificate program or equivalent experience, with the ability to interpret financial data and communicate findings effectively. This is a full-time, on-site opportunity.

Qualifications

• Ability to read, interpret, and analyze financial statements and tax returns.
• Ability to prepare a clear, concise credit request (RCE).
• Experience with credit analysis for small to mid-size credits.

Responsibilities

• Complies with policies and laws applicable to the job.
• Provide and promote The Citizens Experience to customers.
• Review credit requests for completeness.
• Spread financial statements and tax returns.
• Evaluate credit requests and prepare the Report of Credit Extended (RCE).
• Prepare an accurate, clear RCE.
• Refer to other departments if credit requests exceed policy.
• Discuss requests with branch personnel and Credit Management Division.
• Assist and train junior officers to improve credit skills.

Skills

Credit analysis

Financial statement analysis

Tax return analysis

Cash flow analysis

Report writing

Education

Four year college or university program certificate; or three to five years related experience

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Credit Officer I

Full Time Professionals Walnut Creek, Walnut Creek, CA, US

2 days ago Requisition ID: 2775

Salary Range: $73,770.00 To $103,278.00 Annually

SUMMARY

The Credit Officer I has prior experience and expertise in credit analysis, with an understanding and ability to handle financial statement, tax return and cash flow analysis for businesses and individuals. Based on the credit request and analysis of the business or individual, the Credit Officer provides the bank with an accurate, clear and concise written credit request (report of Credit Extended- RCE). The Credit Officer I will work with smaller, non-complex credits.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job.
• Provide, present and promote The Citizens Experience to all external and internal customers.
• Review credit request/file for completeness.
• Spread financial statement and/or tax returns.
• Evaluate a credit request and formulate questions, if necessary to complete Report of Credit Extended (RCE).
• Prepare an accurate, clear and concise RCE.
• If credit request does not fit within the bank's standard lending policy and procedures, refer to other bank departments.
• Discuss credit requests with branch personnel and Credit Management Division.
• Assist and/or train junior credit officer/trainees to obtain/increase the understanding of the credit analysis process and improve credit skills.
• Other duties may be assigned.

SUPERVISORY RESPONSIBILITIES

This job has no supervisory responsibilities.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

Four year college or university program certificate; or three to five years related experience and/or training; or equivalent combination of education and experience.

LANGUAGE SKILLS

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

REASONING ABILITY

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the associate is regularly required to sit and talk or hear. The associate frequently is required to use hands to finger, handle, or feel. The associate is occasionally required to walk and reach with hands and arms. The associate must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.