Credit Analyst

Description

Who We Are: 

FFB, a dynamic and acclaimed single-branch bank born in the heart of Fresno, CA in 2005, is on a mission to redefine the banking experience. Our commitment to delivering top-notch banking services has propelled us to the forefront of the industry, earning us accolades and recognition. At FFB, we recognize the uniqueness of each individual who walks through our doors, and our dedicated team strives to craft personalized banking solutions that cater to their distinct needs.

What sets FFB apart is not just our Fresno roots but the diverse talents that make up our team, hailing from every corner of the country. We firmly believe that our people are our greatest strength, and we're constantly on the lookout for ambitious and passionate individuals who align with FFB's vision, regardless of their location.

If you're ready to be part of a winning team and contribute to our ongoing success story, we invite you to apply and join the FFB family!

Recent Achievements Speak Louder Than Words:

• 2024 - American Banker - #1 Top Performing Publicly Traded Bank with under $2b in assets 
• 2023 - American Banker - "Top 5" Community Bank in the Country #4 
• 2023 - OTCQX - Best 50 Companies #3 
• 2023 - 5-star Rating Bauer Financial 

What You Should Expect While Working at FFB:

• Company ownership through our Employee Stock Ownership Program (ESOP)
• A friendly, close-Knit work culture that encourages growth 
• Opportunities to Participate in Community Networking Events 
• Benefits Package

o Medical/Dental/Vision

o Life Insurance

o Paid Vacation

o 401(k) Retirement Plan

o Training & Development

o Tuition Reimbursement

o Employee Assistance Program

o Internal Job Posting & Referral Program

Ideal Candidate: 

FFB prides itself on its core values of Teamwork, Relationship, Authenticity, and Commitment (TRAC). We expect that our team members will reflect these values in the workplace in various ways: 

• Teamwork – We collaborate, hold each other accountable, and win together. 
• Relationship – We are trustworthy, transparent, and respectful. 
• Authentic – We are humble, vulnerable, and we speak up. 
• Commitment – We are owners...Be hungry, responsive, and have a sense of urgency.

About the Position:

The position of Credit Analyst is responsible for portfolio monitoring duties; including gathering and analyzing credit information on current and potential borrowers; payment monitoring; assists the commercial loan underwriters and loan officers in managing new and existing customer relationships by providing credit support; and promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. 

Essential Duties:

• Requests financial data from borrowers based on the borrower’s financial reporting covenants and other data as may be needed to fully understand a borrower’s financial condition.
• Spreads financial statements to assess the client’s credit & operations risk using multiple sources of information (e.g., customer’s credit and operating risks, current and historical financial statements, cash flows, tax returns, and financial trend analysis; all within framework of Bank credit culture and current economic and industry trends.
• Assists in the preparation of problem asset reports.
• Assists in annual reviews of targeted portfolios of credit concentrations to determine any systematic deterioration in the portfolios. 
• Assists with the daily monitoring and processing of disbursement of funds from the various third-party applications the Bank uses to track lines of credit and construction loans.
• Monitors loan compliance (e.g., covenant compliance, delinquencies)
• Contacts customers to collect payments on delinquent accounts.
• Conducts industry peer comparisons and perform cash flow analyses and other such tasks and comparisons.
• Assists loan officers in Coordinating processing of approved loans; ensure loans are processed according to agreement, customer needs and conform to Bank lending policies; obtain sufficient information and/or documentation from customers; assist in solving problems relative to processing and servicing of loans.
• Assists the loan officer in managing their portfolio.
• Assists with on-going computerization of the loan review function.
• Develops knowledge of financial industry, economy, market conditions, rates, vendors, and competition.
• May represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business.
• Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
• Assists in providing deposit and loan account ratings for loan officers.
• Operates computer terminal to obtain and process data.
• Answers telephones; answers questions and directs callers to proper Bank personnel.
• Treats people with respect; keep commitments; Inspire the trust of others; work ethically and with integrity; uphold organizational values; accept responsibility for own actions.
• Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations; complete administrative tasks correctly and on time; support the Bank’s goals and values; benefit the bank through outside activities.
• Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.

Requirements

• Bachelor’s Degree or equivalent preferred.
• Basic experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
• Basic knowledge of commercial, construction, real estate and consumer loan processing.
• Ability to read, analyze and interpret general business and technical procedures.
• Basic knowledge of related state and federal loan regulations and other Bank lending policies.
• Ability to effectively present information and respond to questions from groups of managers, customers, and members of the public.
• Proficiency in Microsoft Office Suite programs, including Word, Excel, and PowerPoint.
• Basic typing skills to meet production needs of the position.
• Ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Effective verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.
• Excellent organizational and time management skills.
• Ability to work with minimal supervision while performing duties.
• Current California driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

Salary : $23 - $38