Credit Analyst jobs in Bakersfield, CA

The Credit Administrator is responsible for all assigned credit analysis and administration functions related to the Bank's programs where any aspect of commercial credit risk exits. The Credit Administrator's primary responsibility is to support the loan process by performing the credit administration review/ approve within assigned lending limits of new and existing credits ensuring that financial ratios and other analyses are accurately completed by the assigned underwriter/account officer and that the materials presented to the Loan Committee are accurate and reflect the credit risk of the credits. In addition, the Credit administrator may own and oversee the banks loan workflow software.

• Review and approve or decline new and complex commercial credit transactions in accordance with the Banks credit policies.
• Thorough understanding of the Banks credit policy, which includes making sure that the structure of each commercial credit transaction (at the time of underwriting, and on an on-going basis) is in conformity with policy, and / or policy exceptions are noted and reported as required by policy.
• Timely, accurate and effective communication to management of any potential material risks associated with existing commercial credits in the portfolio, including a recommendation for the appropriate course of action if warranted.
• Performing portfolio-level analytics and stress testing to inform management of risks within the loan portfolio including concentration risk and interest rate risk.
• Provide guidance that the risk rating is assigned to each commercial credit is accurate and based on the most recent information available to the Bank.
• Oversee the preparation of the appropriate reports and forms used to communicate the current states of commercial credits (both performing and non-performing) to management.
• Review that the underlying value of all collateral is current and reliable, particular for commercial credits determined to be a special mention or substandard.
• Successfully be able to restructure or liquidate special mention and/or substandard commercial credits w/in an acceptable time period.
• Working in coordination with the Compliance Officer to ensure compliance with all laws and regulations with respect to lending.
• May act as the CRA officer, manage CRA reporting and compliance.
• Working in coordination with the Compliance Officer and CFO on all internal control audits and financial statement audits as they relate to loan operations.
• May perform portfolio reviews of credits approved directly by Regional Presidents, Division Managers, and the Chief Banking Officer.
• Assist management with other responsibilities as needed.

• MBA or 10 years of commercial banking experience, particular underwriting and monitoring all aspects of large, complex commercial loan transactions.
• Expert experience, knowledge and training in Business Banking Center operation activities, terminology and products and services.
• Proficient knowledge of related state and federal banking compliance regulations, and other Bank operational policies.
• Proficient skills in computer terminal and personal computer operation; mainframe computer system; word processing and spreadsheet software.
• Expert math skills; calculate interest and balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions, and decimals; locate routine mathematical errors; count currency, coin and negotiable instruments in a timely manner.
• Effective oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees.