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2 Credit Analyst ($5,000 sign-on bonus*) Jobs in Sacramento, CA

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RIVER CITY BANK
Sacramento, CA | Full Time
$57k-73k (estimate)
10 Months Ago
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Credit Analyst ($5,000 sign-on bonus*)
RIVER CITY BANK Sacramento, CA
$57k-73k (estimate)
Full Time | Banking 10 Months Ago
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RIVER CITY BANK is Hiring a Credit Analyst ($5,000 sign-on bonus*) Near Sacramento, CA

Description

*New hires for the role of Credit Analyst are eligible for a $5,000 sign-on bonus which will be dependent on (90) days of consecutive employment with satisfactory performance.

The Credit Analyst researches and analyzes borrower financial information; prepares and presents formal written loan presentations to CCO, CEO, and Loan Committee for approval on new and existing loan transactions; 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.
  2. Assesses cash flows, total project cost analysis, collateral value, absorption analysis, and discounted cash flow analysis.
  3. Analyzes borrower financial statements and tax returns for companies and individuals regarding net worth and cash flow and strengths/risks of loan repayment sources.
  4. Identifies and summarizes risks related to third party reports and collateral valuations.
  5. Evaluates preliminary title reports and various documents affecting the Bank’s collateral lien rights.
  6. Prepares the formal written credit authorization ensuring complete and accurate information, industry trends, and compliance with current legal requirements within required timeframes.
  7. Maintains close communication with Loan Center, lending officers, and clients to ensure the timeliness of the renewal and new loan funding process.
  8. Possesses comprehensive knowledge of all deposit, cash management, and commercial loan products of the Bank as well as current knowledge of bank regulations and statues.
  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

  • Bachelors degree from an accredited college
  • Two 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 and presentation 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

Additional Comments:

River City Bank is an Affirmative Action and Equal Opportunity Employer with a commitment to diversity. Individuals seeking employment at River City Bank are considered without regards to ancestry, age, color, physical or mental disability, genetic information, gender, gender identity, gender expression, marital status, medical condition, national origin, race, religion, sex, sexual orientation, protected veteran/military status or any other consideration made unlawful by federal, state or 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.

Job Summary

JOB TYPE

Full Time

INDUSTRY

Banking

SALARY

$57k-73k (estimate)

POST DATE

05/26/2022

EXPIRATION DATE

03/30/2023

WEBSITE

rivercitybank.com

HEADQUARTERS

ROSEVILLE, CA

SIZE

200 - 500

FOUNDED

1973

CEO

JEANIE REEVES

REVENUE

$50M - $200M

INDUSTRY

Banking

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About RIVER CITY BANK

Founded in 1973, River City Bank is California's premier business bank with assets of over $3.4 billion. River City Bank offers a comprehensive suite of banking services, including loans, deposits and cash management tools to the business, consumer and commercial real estate sectors. With tailored, executive-level service and a Superior financial rating from the nations leading independent bank-rating firm, BauerFinancial, River City Bank redefines the banking experience and every touch point that surrounds it. River City Bank is the largest, independent, locally-owned, and managed bank in the... Sacramento region with offices in San Francisco, the East Bay, the North Bay, and a growing presence in Southern California. For additional information, please visit www.rivercitybank.com or call (916) 567-2600. Member FDIC. Equal Housing Lender. More
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The following is the career advancement route for Credit Analyst ($5,000 sign-on bonus*) positions, which can be used as a reference in future career path planning. As a Credit Analyst ($5,000 sign-on bonus*), 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 ($5,000 sign-on bonus*). You can explore the career advancement for a Credit Analyst ($5,000 sign-on bonus*) below and select your interested title to get hiring information.