Credit Analyst

Are you a talented professional who excels at personalized service, enjoys getting involved in your communities and has a desire to work for an award-winning Best Bank?

Montecito Bank & Trust is seeking a full-time Credit Analyst to join our Commercial Lending Group department. The Credit Analyst will deliver a World Class Experience by supporting the Relationship and Portfolio Managers’ in managing the day to day credit processes and performing analytics necessary to support prudent lending decisions. The Credit Analyst is responsible for gathering financial information, preparation of financial spreadsheets and models for both client and prospects. The Credit Analyst may be assigned to specific smaller accounts and provide direct customer contact. As a member of the Commercial Lending Group, the Credit Analyst supports the team in achieving its goals, including the growth of a portfolio, ensuring compliance with risk management and strengthening the customer relationships.

*
Minimum Requirements, Activities & Responsibilities*

*
Education and Experience: *

• A four-year college or university degree in Business and Economics preferred; or related subject required or any combination of equivalent education, training and work experience.
• One year of accounting courses and a financial statement analysis course completion is required.
• Some banking desirable.

Essential Functions:

• Analyze business and personal tax returns, financial statements and supporting schedules.
• Prepare financial spreadsheets and templates utilizing a variety of available software.
• Compare client and prospect spreads and financial parameters to industry and competition and industry standards.
• Conduct research of industry, maintaining continuing knowledge/monitoring process for trends of business and financial importance in the client/prospect’s marketplace.
• Provide the background information to enable associates to complete preparation of routine renewals.
• Covenant Tracking: Assume responsibility for monthly monitoring and tracking of unit portfolio, e.g. outstanding, commitments, funding, projected funding and repayments and other such parameters as may be requested.
• Covenant Tracking: Follow up on receipt of loan agreement required financial exhibits and run appropriate calculations to determine compliance and inform and discuss with account officers any existing violations that need attention.
• Adhere to all regulatory compliance procedures; become conversant in these Regulations.
• Support annual review process.
• Pull UCC and credit reports.
• Work with Loan Support Specialist to create bulky financial files and maintain those files with up to date financial information.
• Generate tickler letters and notifications which are sent to the client for information requested.
• Other duties as assigned.

Skills and Capabilities:

• Must be flexible and willing to work in an interactive and dynamic team environment.
• Strong critical thinking, decision-making, and customer service skills.
• Strong knowledge of standard computer applications including MS Word, Excel, and Outlook.
• Strong oral, 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.
• Strong organizational, problem-solving, and time management skills.
• Ability to lead by example in a team setting and work independently while performing duties.
• Current driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.
• Must be able to perform this position safely, without endangering the health or safety to himself or herself or others.
• Must be capable of regular, reliable and timely attendance.
• Must be able to work effectively either independently or as part of a team.
• Must be able to effectively handle multiple, simultaneous, and changing priorities.
• Must be able to demonstrate highest levels of customer service and confidentiality with internal and external customers.

Interested in applying? Visit our website at www.montecito.bank/careers

• Review opening using the “Apply Now” tab on our Careers web page
• Once you've selected desired position, click “Apply" on the top right-hand corner of the web page
• Create a personal log-in to submit your expression of interest
• A member of our Human Resources department will reach out to you to let you know whether or not you have been selected to move forward in the interview process

*
Equal Opportunity Employer/Disabled/Veterans*

Job Type: Full-time

Pay: $25.51 - $31.89 per hour