Credit Analyst - Sacramento, CA

Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other.

Our workplace culture values each associate's unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive.

As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state.

This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for "Best Bank" and "Best Commercial Bank" from the readers of San Diego Union-Tribune and Orange County Register.

Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for "Overall Client Satisfaction" in Small Business & Middle Market Excellence Awards.

We are looking for a Credit Analyst to join our Business Lending Services (BLS) team in Sacramento , CA .

CB&T's Business Lending Services (BLS) team provides both loan underwriting and portfolio management support for our Core Branch Banking network focused on the Middle Market business banking segment.

BLS embodies CB&T's Vision, Mission, and Values by providing localized support and the ability to work as a larger team to successfully provide a high level of customer experience.

BLS is located across three offices throughout the state and multiple teams that consist of Portfolio Managers, Credit Advisors and Credit Analysts at all experience levels.

We offer opportunities for learning and career development, exposure to various commercial loan products, and understanding the entire loan facilitation process.

Essential Functions :

• 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.
• Analyzes financial statements and related material.
• Analyzes financial conditions and trends.
• Reviews and reports non-compliance with loan covenants.
• Determines cash flow using appropriate spreading application.
• Prepares summaries, presents facts, and offers opinions concerning creditworthiness.
• Provides credit information and references for customers, loan officers, or other agencies as requested.
• May provide rates and loan information to clients.
• 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.
• Writes credit memorandums.
• Accompanies lenders on business calls.
• Conducts industry research.
• Assists with special projects as assigned.

Qualifications :

Requires a Bachelor's degree in Accounting or Finance and 1+ year of credit analysis experience, lending / credit procedures and process or other directly related experience.

A combination of education and experience may meet requirements.

• Basic knowledge of financial and spread analysis and credit / lending procedures for less complex loans.
• Knowledge of and ability to apply commercial credit principles, theories, concepts, and techniques.
• Ability to work with lending officers and staff.
• Good analysis, research, and communication skills, both verbal and written.
• Must be detail oriented.
• Ability to meet deadlines and make sound decisions regarding loans.
• Good PC skills required.
• Working knowledge of spreading / cash flow application is a plus.

Benefits :

• Medical, Dental and Vision Insurance - START DAY ONE!
• Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts
• Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits, including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees
• Employee Ambassador preferred banking products

This position is eligible to earn a base salary in the range of $64,000 - $89,000 annually depending on job-related factors such as level of experience