Job Description

We are seeking a highly skilled Senior Commercial Credit Analyst to join our team. The ideal candidate will have a strong background in financial analysis, credit risk assessment, and commercial and industrial lending. As a Senior Commercial Credit Analyst, you will be responsible for analyzing financial data, assessing creditworthiness, and making recommendations on credit limits and terms.

In collaboration with Relationship and Portfolio Managers, the Senior Commercial Credit Analyst analyzes borrower financial information; prepares and presents formal written loan presentations for approval by Credit Management on new and existing loan transactions for mid-size to large companies with revenues exceeding $5 million; conducts ongoing financial analysis and credit monitoring on transactions within Bank’s loan portfolio.

Essential Functions

1. Analyzes and articulates transaction risk and recommends loans for approval for new and existing commercial customers. Loan types include, but are not limited to, working capital lines of credit, asset-based lines of credit, equipment loans, and owner-occupied real estate loans.
2. Analyzes borrower financial statements and tax returns for companies and individuals regarding net worth and cash flow and strengths/risks of loan repayment sources.
3. Identifies and summarizes risks related to third party reports and collateral valuations.
4. Prepares timely and concise formal, written credit recommendations with limited supervision, ensuring complete and accurate information.
5. Analyzes industry trends and ensures compliance with current legal requirements.
6. Monitors borrower financial performance in line with commercial loan documents; spreads financial statements ensuring resulting covenant calculations are accurate, complete, and adhere to approval conditions and loan documentation. Collaborates with Relationship Manager and Portfolio Manager to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner.
7. Maintains close, professional communication with all bank departments, including Commercial Banking and Loan Center, and clients to ensure the timeliness of the renewal and new loan funding process.
8. Serves as the credit analyst for multiple loan transactions at a given time at varying stages of the loan origination process.
9. Supports Community Reinvestment Act (CRA) through business development efforts. Actively participates in community organizations.
10. Maintains a current knowledge of bank regulations. Ensures compliance with all Federal, State and Bank policies, procedures, and regulations.
11. Other duties as assigned.

Requirements

• Bachelor’s degree from an accredited college
• One to five (typically five to ten for senior analyst) years of experience in credit analysis within a banking/lending environment
• Knowledge of accounting, financial statement, and cash flow analysis
• Excellent written and verbal communication, presentation, and interpersonal skills
• Excellent organizational skills, with an ability to independently prioritize tasks and multi-task while completing complex transactions
• Excellent attention to detail
• Strong analytical and problem-solving skills
• Proficient in computers with ability to use standard or specialized computer hardware and software packages, including word processing and spreadsheets in a Windows environment
• Ability to consistently interact with clients under varying circumstances while maintaining a professional demeanor
• Effectively communicate with clients over the phone and in person

Additional Comments:

River City Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws.

Note: River City Bank does not sponsor applicants for work visas.

For CA residents please read the Notice at Collection - California before applying.

NOTE: We are not currently accepting inquiries from recruiters or recruiting agencies. All applications must be submitted directly by the candidates.