Senior Commercial Credit Analyst II - Risk & Structuring

Golden 1; Sacramento (CA); On-site; USD 78,000 - 90,000; Full time

Job summary

Golden 1 is seeking a Commercial Credit Analyst II to perform risk analysis for complex commercial loans and to provide accurate financial spreads with notes explaining estimates, projections, or discrepancies. The role includes mentoring junior analysts and supporting underwriters, while maintaining compliance with underwriting standards and regulatory requirements.

The analyst will evaluate documentation, analyze tax returns and financial statements, and monitor market conditions to advise

Qualifications

• High School diploma required; an Associate degree is preferred.
• Minimum of 4 years in commercial credit analysis using a LOS.
• Strong analytical, organizational, and detail-oriented skills.
• Solid interpersonal, oral and written communication skills for relationships with originators and members.

Responsibilities

• Review, analyze, and evaluate loan applications per policies to provide clear analysis to the underwriter.
• Ensure transactions are accurate, complete and compliant.
• Analyze credit history and cash flows to assess repayment potential.
• Assist in updating lending policy materials and training staff.

Skills

Analytical

Attention to detail

Interpersonal skills

Financial analysis

Credit analysis

Education

High School Diploma

Associate degree preferred

Tools

LOS (Loan Origination System)

Microsoft Office

Job description

Golden 1 is seeking a Commercial Credit Analyst II to perform risk analysis for complex commercial loans and to provide accurate financial spreads with notes explaining estimates, projections, or discrepancies. The role includes mentoring junior analysts and supporting underwriters, while maintaining compliance with underwriting standards and regulatory requirements.

The analyst will evaluate documentation, analyze tax returns and financial statements, and monitor market conditions to advise