Credit analyst Jobs in Sacramento, CA

The Credit Analyst - C&I 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 periodic loan reviews and credit recommendations. The Credit Analyst will provide quality service to all customers

RESPONSIBILITIES

• Evaluates data from customers, internal and outside sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns; contacts customers for additional information and clarification of data.
• Analyze financial statements to identify, interpret, and explain root cause of trends in operating performance, financial condition and cash flow as these relate to credit risk.
• Assist Portfolio Managers in performing annual loan reviews, pre-qualification assessment, and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
• Proficient spreading all types of business and personal financial statements using CASH Suites.
• Develop global cash flow analysis for business credits of all types.
• Use working knowledge of loan policy to identify loan policy exceptions and present in credit analysis.
• Make approval, modification and risk grade recommendations
• Maintain a portfolio of smaller credits requiring monthly and annual reviews.
• Confirm and track borrowers' compliance with loan conditions and covenants. Facilitates preparation of financial request letters through CASH OnTrack and follow up for receipt.
• Create reports within CASH OnTrack for ongoing portfolio monitoring
• Crosstrain with other departments, such as Processing, Relationship Management, Legal, and Appraisal.
• Review final title policies to ensure accuracy.
• Communicate effectively between department and teams.
• Verifies and cross checks information provided for accuracy.
• Perform special projects from time to time as required by management.
• Attend weekly Team meetings and contribute to the portfolio management function

QUALIFICATIONS

A reasonable, good faith estimate of the minimum and maximum base salary or pay for this position is $24.14 / hr. to $36.79 / hr. Actual compensation will vary based on various factors including but not limited to location, experience, and performance. A discretionary bonus and / or business line incentive may be provided, in addition to a medical and other benefits, dependent on the position. For more information regarding our benefits, please visit https : / / www.ppbi.com / careers.html

CA (Los Angeles applicants) : Applicants are notified that the Company is an insured depository institution subject to the restrictions and requirements of Section 19 of the Federal Deposit Insurance Act (12 CFR 303) (Section 19). In accordance with Section 19, the Company will consider an applicant's criminal history after an applicant is made a conditional offer of employment. Qualified applicants with criminal conviction records will be considered for employment in accordance with the Los Angeles Fair Chance Ordinance. Section 19 may prohibit the Company from employing an applicant with criminal conviction(s) for fraud, breach of trust, embezzlement, mishandling of money or any crime of violence may have a direct impact on the job duties as set forth in the job description and such convictions may result in withdrawal of a conditional offer of employment in accordance with the Los Angeles Fair Chance Ordinance. Because of the nature of our business, a review of your criminal history is necessary to comply with Section 19 and to avoid substantial risk to our business operations and licensing.

Onsite #LI-SG1

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)