Description

JOB SUMMARY:

The Junior Credit Analyst supports the evaluation of commercial borrowers by organizing and spreading financial statements, analyzing credit and financial data, preparing projections, and assisting with loan underwriting. Under the guidance of senior credit staff, the position also supports portfolio monitoring, annual reviews, servicing requests and data analysis to help identify credit risk and maintain accurate credit documentation.

ESSENTIAL DUTIES AND RESPONSIBILITIES:
- Responsible for assisting senior credit staff with various credit functions including, but not limited to, credit analyses, financial statement organization and spreading, financial statement projections, loan underwriting, monitoring of loan portfolio (including annual reviews), performing data analytics, updating credit ticklers and other credit functions as directed by the Bank.
- Specifically, support underwriters and/or Relationship Managers with credit analysis needed for loan requests and perform other credit support functions for loan approvals or modifications.




- Assist in preparing analysis for servicing requests for loan portfolio.
- Assist in the analysis of financial statements and related material for financial conditions and trends.
- Determines cash flow using appropriate financial analysis.
- Review and report non-compliance with loan covenants.
- Prepare summaries and present facts, concerning credit worthiness.
- Maintain control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed.
- Ensure that all credit files include proper documentation including current financial statements, agency reports, etc.
- Investigate all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, etc.
- Accompanies lenders on business calls (as needed).

REQUIRED SKILLS AND ABILITIES:
- Working knowledge of commercial lendin

📌 Junior Credit Analyst (San Luis Potosí)
🏢 California Bank of Commerce
📍 San Luis Potosí