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Commercial Credit Analyst

Company: California Bank & Trust
Location: Irvine
Posted on: August 15, 2019

Job Description:

Commercial Credit Analyst - Irvine
Job Number:


hours per week



California Bank and Trust, a leader amongst banks in California with over $10 billion in assets and nearly 100 branch offices in the state, is currently seeking a Credit Analyst in the Business Lending Services department in Irvine . The Business Lending Services Department specialize in lower middle-market commercial loans and commercial real estate loans throughout California.

California Bank & Trust prides itself on creating Californias best banking relationships and to do this we continue to build a team of intelligent contributors who can add value to our clients businesses and build deep roots in the communities we serve.

The successful candidate will perform the following job duties:

  • Spreads and analyzes business and personal financial statements and tax returns, accounts receivable and payable agings, inventory reports, third party appraisal reports, and related material. Analyzes financial conditions, industries, and trends.
  • Collects financial information and performs covenant monitoring and testing. Reviews and reports non-compliance with loan covenants.
  • Reviews financial and reporting covenants in loan documents.
  • Completes annual loan reviews, risk grades, and problem loan reports.
  • 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.
  • Determines cash flow using appropriate software and cash flow models.
  • Prepares summaries, presents facts, and offers opinions concerning credit-worthiness.
  • Responsible for analyzing Commercial & Industrial, Investor CRE, and Owner-Occupied CRE loans. May write credit memorandums for new loans, renewals, short-term extensions, and modifications.
  • 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.
  • Conducts industry research.
  • Assists with special projects as assigned.


    • Requires a Bachelor's in Finance, Accounting, Business Administration or related area of study. Completion of basic and intermediate accounting coursework preferred.
    • 2+ years of commercial credit analysis, portfolio management, and underwriting experience.
    • Knowledge of C&I Revolving and Term, Investor CRE, and Owner-Occupied CRE loan types.
    • Knowledge of financial and spread analysis, accounting, and credit/lending procedures. Experience with Moodys Risk Analyst and Bukers Tax Analysis preferred.
    • Knowledge of and ability to apply commercial credit principles, theories, concepts, and techniques.
    • Ability to work with lending officers and staff.
    • Strong communication skills, both verbal and written.
    • Strong knowledge of Microsoft Excel, Word, Access, and PowerPoint.
    • Ability to use electronic workflow and credit systems.
    • Requires excellent customer service, relationship, organizational, analytical and problem-solving skills.
    • Ability to meet deadlines.


      • Competitive compensation commensurate with work experience + incentives
      • Health Insurance + Life Insurance and 401(k) plan generous company matching
      • Paid Training, paid Vacation, paid Holidays and promotional opportunities offered from within
      • Stable Employer, a division of Zions Bancorporation and is included in the S&P 500 & NASDAQ Financial 100 indices.


        Work Locations

        California-Irvine-LA - Irvine

        Credit Admin

        Jul 24, 2019

Keywords: California Bank & Trust, Irvine , Commercial Credit Analyst, Accounting, Auditing , Irvine, California

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