Credit Analyst

PRIDESTAFF FINANCIAL IS LOOKING FOR A

BANK LOAN CREDIT ANALYST

FOR A CLIENT IN THE GREATER SACRAMENTO AREA

Summary

Under supervision, provide support services to the lending staff. Provide a high level of consistency of method applied to the analysis and interpretation of financial information.

Essential Duties and Responsibilities include the following although other duties may be assigned: Spread financial statements, tax returns, & other financial data in a consistent and meaningful manner. Provide interpretation of financial condition of applicants, borrowers and guarantors.

Analyze financial information, including trends, ratios and cash flows. Assist in the preparation of Loan Credit Requests for loan officers.

Contact borrowers or their agents with regard to loan applications and or financial information. Research and verify financial information provided by borrowers or their agents.

Track Covenant Compliance & upon request of Loan Officers contact borrowers or their agents to obtain financial information required by the loan covenants & to ask questions regarding such information.

Secondary Duties and Responsibilities

Review & approve in-house applications pertaining to Consumer and Small Business Credit Scored (SBCS) loan requests.

Servicing of existing loan portfolio within the commercial loan program for small balance transactions. Assist the Credit Services Manager with special projects & other tasks as assigned.

Comply with all applicable banking compliance rules & regulations established by both internal departments & external agencies.

Respond to customer inquiries to the Bank’s Lending Center.

Supervisory Responsibilities

This job has no supervisory responsibilities.

Education and/or Experience

High school diploma or general education degree (GED) plus a minimum of two semesters of college-level accounting classes required. Degree from a four-year College or University preferred. Three years experience in credit related fields. Knowledge of credit policy & procedures & loan compliance. Experience & understanding of the differences between cash, accrual & tax accounting. Attention to detail. Demonstrated ability to provide excellent customer service. Credit Quest software experience a plus.

Specialized Skills

Computer Skills

To perform this job successfully, an individual must be proficient in Microsoft Excel or comparable Spreadsheet software and Microsoft Word or comparable Word Processing software. Additionally, experience with Credit Quest software is a plus.

Competencies

Synthesizes complex or diverse information, collects and researches data, and uses intuition and experience to complement data. Identifies and resolves problems in a timely manner, gathers and analyzes information skillfully, and develops alternative solutions. Develops and coordinates project plans, communicates changes and progress, and completes projects on time and budget. Responds to requests for service and assistance and meets commitments. Focuses on solving conflict and maintains confidentiality.

Speaks and writes clearly and persuasively in positive or negative situations. Listens, gets clarification, and responds well to questions. Displays willingness to make decisions and exhibits sound and accurate judgment. Supports and explains reasoning for decisions; Includes appropriate people in decision-making process and makes timely decisions. Sets and achieves challenging goals and demonstrates persistence and overcomes obstacles. Measures self against standard of excellence and takes calculated risks to accomplish goals.

Prioritize and plans work activities and uses time efficiently. Approaches others in a tactful manner and treats others with respect and consideration regardless of their status or position. Accepts responsibility for own actions and follows through on commitments. Demonstrates accuracy and thoroughness and looks for ways to improve and promote quality. Applies feedback to improve performance and monitors own work to ensure quality.

Meets productivity standards and completes work in timely manner. Adapts to changes in the work environment and manages competing demands. Follows instructions, responds to management direction and takes responsibility for own actions.

Language Skills

Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.

Mathematical Skills

Ability to calculate figures and amounts such as discounts, interest, commissions, ratios and percentages. Ability to apply concepts of basic algebra.

Reasoning Ability

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Certificates, Licenses, Registrations

Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to stand. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.

COMPENSATION

$40,000 - $85,000/yr depending upon experience. Vacation starting at 2 weeks. Full benefits (medical, vision, dental). Profit sharing and opportunity to purchase company stock at a discounted rate.

IF YOU QUALIFY AND WOULD LIKE TO BE CONSIDERED FOR THIS POSITION, SEND YOUR RESUME TO amontbleaupieper@pridestafffinancial.com. FOLLOW UP WITH A PHONE CALL TO APRIL AT 916-757-6100.