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Job Summary
The Credit Analyst with an emphasis in loan portfolio monitoring is skilled in both credit and data analysis. The Analyst uses the data they collect to understand trends, solve business problems, and monitor metrics. They assist in determining the data the CCO needs, structuring it in an appropriate format, analyzing the data using queries, and creating reports and visualizations for the Chief Credit Officer or its designee. The Analyst is responsible for report generation, process improvement, risk assessment, and addressing the needs of the Credit department as Directed by the Chief Credit Officer. Projects are centered on the usage of spreadsheets, database management, information gathering, cross-department coordination, and the development of more efficient processes. In addition to report writing and the above mentioned, the Credit Analyst will contribute to annual loan review and renewals. This includes, assessing the condition and quality of individual credits based on financial, collateral, and documentation analysis. Quantify metrics such as: debt service capacity, leverage, liquidity, collateral coverage, guarantor support, etc. Determine the appropriate risk rating for Borrowers according to current Lending Policy and regulatory guidance. Promptly identify and report identified issues to Relationship Managers, Underwriters, and Chief Credit Officer.
Essential Job Duties
Assignments Responsible for the generation, verification, and continued development of:
Job Qualifications
Must be able to perform all the essential duties of the position satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Computer & Software Skills
Travel
Occasional local travel
Additional Information
Min.: $75,000 and above
Temporary
Banking
$61k-78k (estimate)
03/31/2024
05/08/2024
goldenstatebank.com
GLENDALE, CA
25 - 50
2003
TOM BYINGTON
$10M - $50M
Banking
Golden State Bank is a full service bank, serving the business, commercial and professional markets. The Bank is committed to meeting the financial needs of its business clients with loans for working capital, equipment, owner-occupied and investment commercial real estate, and a full array of cash management services and deposit products for businesses and their owners in Los Angeles, Orange Counties, and the Inland Empire. Golden State Bancorp (Ticker Symbol: GSBX) is the holding company of Golden State Bank.
The job skills required for Credit Analyst II include Analysis, Financial Statements, Accounting, Credit Analysis, Microsoft Office, Tax Return, etc. Having related job skills and expertise will give you an advantage when applying to be a Credit Analyst II. That makes you unique and can impact how much salary you can get paid. Below are job openings related to skills required by Credit Analyst II. Select any job title you are interested in and start to search job requirements.
The following is the career advancement route for Credit Analyst II positions, which can be used as a reference in future career path planning. As a Credit Analyst II, it can be promoted into senior positions as a Credit Analyst III that are expected to handle more key tasks, people in this role will get a higher salary paid than an ordinary Credit Analyst II. You can explore the career advancement for a Credit Analyst II below and select your interested title to get hiring information.