Job description

Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate’s unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive.

As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for “Best Bank” and “Best Commercial Bank” from the readers of San Diego Union-Tribune and Orange County Register. Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for “Overall Client Satisfaction” in Small Business & Middle Market Excellence Awards.

We are looking for a Credit Analyst to provide top notch customer service to our clients and customers in Sacramento, CA . If you are passionate about being part of a community, being a team player, and helping others reach their financial goals, then we are interested in speaking with you!

The ideal candidate will have the skills and experience necessary to:

Conduct credit investigations and analyze credit information pertaining to loans.

Investigate all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office and branches files.

Analyze financial statements, financial conditions and trends.

Review and report non-compliance with loan covenants.

Determine cash flow using appropriate tax analysis.

Prepare summaries, present facts and offer opinions concerning credit-worthiness.

Provide credit information and references for customers, loan officers, or other agencies as requested.

Ensure that all credit files include proper documentation including current financial statements, agency reports, etc.

Maintain control over current accounts, noting payment progress, watching for any developing problems and keeping loan officers informed.

Write credit memorandums.

Accompanies lenders on business calls.

Conducts industry research as needed.

Assist with special projects as assigned.

Qualifications:
Requires a bachelor's and 1+ years of credit analysis experience, lending/credit procedures and processes or other directly related experience. A combination of education and experience may meet requirements.

Basic knowledge of financial and spread analysis and credit/lending procedures for less complex loans.

Knowledge of and ability to apply commercial credit principles, theories, concepts, and techniques.

Ability to work with lending officers and staff.

Good analysis, research and communication skills, both verbal and written.

Must be detail oriented.

Ability to meet deadlines and make sound decisions regarding loans.

Good PC skill required.

Benefits:
Medical, Dental and Vision Insurance - START DAY ONE!

Life and Disability Insurance, Paid Parental Leave and Adoption Assistance

Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts

Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays

401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience

Mental health benefits including coaching and therapy sessions

Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire

Employee Ambassador preferred banking products

This position is eligible to earn a base salary in the range of $23.00 -$34.00 per hour depending on job-related factors such as level of experience and location

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