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Title

Credit Analyst 

EOE StatementSterling Bank and Trust is proud to be an equal employment employer. We do not discriminate in hiring or any employment decision based on race, color, religion, national origin, age, sex, (including pregnancy, childbirth, or related medical conditions), marital status, ancestry, physical or mental disability, genetic information, veteran status, gender identity or expression, sexual orientation, or other applicable legally protected characteristic.
 
Description

 

Job Title: Credit Analyst 

Department: Credit Administration

Reports To: Director of Credit Administration

FLSA Status: Exempt, Grade 8

SUMMARY

 

Assists Loan Officers in conducting credit investigations and preparing credit memorandums for diversified types of loans, including construction, commercial and commercial real estate loans.

 

ESSENTIAL DUTIES AND RESPONSIBILITIES

 

Collects, organizes, and analyses all data for loan requests.

Recommends loan structure and terms to Loan Officers.

Contacts customers for additional information and clarification of data.

Analyzes borrower's financial position by interpreting and evaluating financial statements, tax returns, and/or projections.

Performs cash flow, trend, and ratio analysis.

Analyzes rent rolls, A/R aging, leases, appraisal, environmental, and/or title reports.

Assigns and maintains the appropriate loan risk grades according to the Bank's Loan Policy.

Ensures that sources of repayment are sound and well documented.

Conducts loan related industry and market research.

Prepares a comprehensive credit memorandums and provides opinions and recommendations regrading proposed loans and potential risks.

Monitors borrowers' financial stability by analyzing financial statements and collateral.

Reviews loan documents for accuracy, completeness, and adherence to to credit memorandum covenants and conditions.

Prepares quarterly Loan Review reports for certain credits

Assists in preparation of monthly Credit Administration reports.

Conducts analytical credit-relevant studies and industry research.

Possesses a full understanding of the Bank's credit culture, Loan Policy, and current economic and industry trends.

Contribute to development of new polices, procedures, and methodologies.

Performs other duties as assigned.

 

SUPERVISORY RESPONSIBILITIES

 

None.

 
Position Requirements

QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

Undergraduate from four-year college or university in Accounting, Finance or related field and three years direct experience in commercial and/or commercial credit underwriting and/or training or equivalent combination of education and experience. Good customer service and interpersonal skills. Excellent analytical and strong MS Office skills. Understanding of the theories of credit underwriting and loan structuring. Thorough knowledge of banking laws and regulations. Experience reviewing individual tax returns and financial statements is strongly preferred.

 
Full-Time/Part-Time Full-Time  
Exempt/Non-Exempt Exempt  
Req Number PRO-16-00002  
Location San Francisco Area  

This position is currently not accepting applications.

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