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Business Banking Credit Analyst at Pacific Premier Bank in San Luis Obispo, California
Posted in Other 30+ days ago.
Job Description:
Description
The Credit Analyst - Business Banking will review and analyze current credit data and financial statements to identify and assess credit risk. This position will assist in spreading financial statements, developing global cash flows, reviewing credit reports, historical payment performance and preparing credit recommendations. The Credit Analyst will provide quality service to all customers.
RESPONSIBILITIES
- Analyze financial statements as required and to identify, interpret, and explain root cause of trends in operating performance, financial condition and cash flow as these relate to credit risk.
- Performs cash flow analyses and other such tasks and comparisons as necessary.
- Proficient spreading of all types of business and personal financial statements.
- Develop Global Cash Flow analysis for complex business credits of all types.
- Use working knowledge of loan policy to identify loan policy exceptions and present in credit analysis.
- Review accounts receivable and payable agings for credit concentrations and quality of customers.
- Utilize Cash Suites for spreading financial statements and managing review date ticklers.
- Utilize chatter component of Salesforce to regularly communicate with Relationship Manager, Market Presidents and other employees regarding loan submission.
- Prepare and submit Credit Approval Memorandums for approval.
- Manage loan portfolio, including maturing loans, delinquency and requests for increases or other servicing actions.
- Prepare monthly report for Continuously Monitored Credits with recommendations regarding any change to the level of monitoring required for loans within the Portfolio, and actions needed for loans exhibiting possible deterioration.
QUALIFICATIONS
- 1-2 years of experience as a credit analyst at a similar financial institution.
- 1-2 years of experience spreading financial statements, using a financial analytics software such as CASH or Moody's
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
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