Strategic Credit Analyst — Portfolio & Risk Insights

ADP, Inc.; California (MO); On-site; USD 50,000 - 75,000; Full time

Job summary

New Omni Bank in California seeks a Credit Analyst to support the commercial lending team by managing a portfolio of loan relationships, ensuring quality, performance, and compliance, and delivering exceptional client service. The role collaborates with portfolio managers, relationship managers, and credit staff to maintain credit quality and support growth.

You will work with Portfolio Managers, Relationship Managers, Credit Administrators, and CLO to monitor risk, prepare credit memos, track

Qualifications

• Bachelor's degree in math, accounting, finance, or related field
• 1+ year of commercial lending, credit analysis, or portfolio management experience
• Strong communication, analytical, critical thinking, and organizational skills
• Proficiency in Microsoft Office and banking software preferred
• Bilingual required; Chinese and English preferred

Responsibilities

• Portfolio management: monitor performance of assigned commercial loan accounts, including financial statement tracking, covenant compliance, and risk rating reviews.
• Credit analysis support: assist in preparation of credit memos, annual reviews, and loan renewals by gathering and analyzing financial data, industry trends, and borrower performance.
• Client relationship support: serve as a point of contact for clients regarding loan servicing matters, including disbursements, payments, and documentation requests.
• Construction loan monitoring: track construction project progress, processing construction loan draws, maintain records of disbursements and remaining loan availability, and prepare quarterly reports.
• Risk monitoring: identify early warning signs of credit deterioration and escalate as needed.
• Compliance & documentation: ensure all loan files are complete and comply with internal policies, regulatory requirements, and audit standards.
• Reporting: prepare and maintain portfolio reports, including delinquency reports, pipeline tracking, and loan maturity schedules.
• Collaboration: work closely with internal departments and third-party vendors to ensure smooth loan processing and servicing.

Skills

Communication

Analytical

Critical thinking

Organization

Education

Bachelor’s degree in mathematics, accounting, finance, or related field

Tools

Microsoft Office

Excel

Job description

New Omni Bank in California seeks a Credit Analyst to support the commercial lending team by managing a portfolio of loan relationships, ensuring quality, performance, and compliance, and delivering exceptional client service. The role collaborates with portfolio managers, relationship managers, and credit staff to maintain credit quality and support growth.

You will work with Portfolio Managers, Relationship Managers, Credit Administrators, and CLO to monitor risk, prepare credit memos, track