Senior Credit Analyst
Company: City National Bank
Posted on: November 1, 2019
Analyze credits and CPA prepared financial statements. Enter
financial statements and related information to financial
spreadsheet software programs for analysis. Prepare summary and/or
credit approval reports documenting credit analysis and supporting
information for credit decision recommendations. Responsibilities
also include handling commercial collections requiring client
contact and deal documentation, preparing credit retrospectives,
identifying causative factors to troubled loan structures/deals and
preparing account debtor notification letters, forbearance
agreements and other standardized correspondence and documentation.
This position will also compile and prepare monthly reports
(doubtful logs, non-accruals, charge-offs, potential problem loans)
for team leaders and assist in quality control review of written
communications. Perform other department-related duties as
requested.Under limited supervision provides analytical support
relating to due diligence, document processing, and
financial/statistical analyses related to transactions, credit
approval and ongoing monitoring of closed transactions. Review loan
documents for accuracy, completeness, and adherence to approval
conditions. Recommends proper loan documentation and loan
restructure for complex credits. Present facts and summarizes the
credit analysis results concerning the applicant's credit
worthiness. Prepare timely and insightful credit analysis
applications for a diverse, high complex and sophisticated
portfolio comprised of commercial & industrial, commercial real
estate and private banking / professional services commercial loan
customers. Prepare sensitivity analyses, pro forma cash flows, and
assessments of collateral and guarantor financial condition.
Conduct analysis of the market (customers) and industry
(competition, suppliers, substitutes, and potential new entrants)
and management teams and/or deal sponsors. May make client calls to
obtain all necessary information. May make client calls to obtain
all necessary information and clarification on financial analysis
materials and resources. May be required to contact borrowers
directly for additional information and details related to loan
request. Work with attorneys and other financial or legal resources
to obtain the correct, accurate documents to fully protect the
banks interests in the credit relationship. Colleagues have a full
understanding of the bank's credit policies and existing credit
- Prepare credit analysis and investigation of new and renewed
loans. Request and provide the necessary documentation and
financial facts for Credit Officer to analyze, evaluate, and
determine appropriate credit structure and terms for potential
- Monitor for receipt, and analyzes and evaluates documents
surrounding credits. This may include financial statements for the
company, owners, and/or guarantors, tax returns, cash flow,
collateral, covenants, A/P & A/R aging, credit reports, etc. to
identify strengths and weaknesses as pertaining to a borrower's
- Provide analytical functions relating to due diligence,
document processing, financial statements, trend analyses, asset
search, covenant compliances, and monitor settlements and
judgments. related to transactions, credit approval, and renewals.
Prepare summary documenting factual analysis and supporting
information for credit decision recommendations.
- Monitor and review data from loan systems and prepares Excel
spreadsheets and charts to identify portfolio trends.
- Prepare Loan Approval Summaries and/or Loan Committee reports
on existing loans. Utilize programs like Lexis Nexus, Pacer,
Moody's Risk Origins, Monarch, Asset Reader, etc.Basic
- *Bachelor's Degree in Finance, Accounting, Business
Administration, or Economics.
- *Minimum 5 years of credit analysis or financial analysis
- *Minimum 5 years of experience in a banking or financial
services environment required.Other Job Skills and Knowledge
- Must be capable of working well independently and in
- Detailed knowledge of credit, accounting, credit policy and
financial statement analysis.
- Excellent organizational and analytical skills.
- Working knowledge across all areas of lending including
Commercial Finance, Commercial Real Estate, and ABL.
- Excellent ability to analyze credits, as well as a detailed
knowledge of lending structure and sources and uses of cash
- Identify strengths, weaknesses, and risks related to borrower
status and repayment ability. Use various software programs for
spreading financial statements and financial analysis.
- Working knowledge of Lexis Nexus, Pacer, Moody's Risk Origins,
Monarch, and Asset Reader.
- Good verbal and written communication skills to present clear
and precise recommendations based upon analysis for action on loans
and loan treatments.
- Perform Duties and responsibilities specific to department
functions and activities, or as assigned by supervisor.*Represents
basic qualifications for the position. To be considered for this
position you must at least meet the basic qualifications.
City National Bank is an Equal Opportunity/Affirmative Action
Employer, Minorities/Females/Individuals with
Note: This preceding job description has been designed to indicate
the general nature and level of work performed by employees within
this classification. It is not designed to contain or be
interpreted as a comprehensive inventory of all duties,
responsibilities, and qualifications required of employees assigned
to this job.
Note: Candidates should be advised that City National Bank does not
pay interviewee travel expenses or relocation expenses for
candidates who are hired unless previously agreed. Equal
Opportunity Employer Minorities/Women/Protected
Keywords: City National Bank, Altadena , Senior Credit Analyst, Accounting, Auditing , Altadena, California
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