Credit Analyst - Downtown San Diego, CA

California Bank & Trust San Diego , CA 92140

Posted 1 week ago

California Bank and Trust, a leader amongst banks in California, with over $10 billion in assets and nearly 100 branch offices in the state, is looking for a Credit Analyst.

Our relationship-centered culture is achieved by providing our associates with the tools, training, and opportunities to build the best possible relationships with our customers, and with each other. Our workplace culture values each associate's unique experiences, background and perspectives and provides a collaborative environment for all associates to grow and thrive.

Ideal candidates will have the skills and experience necessary to:

  • Conducts credit investigations and analyzes credit information pertaining to loans Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.

  • Analyzes financial statements and related material.

  • Analyzes financial conditions and trends.

  • Reviews and reports non-compliance with loan covenants.

  • Determines cash flow using appropriate tax analysis.

  • Prepares summaries, presents facts, and offers opinions concerning credit-worthiness.

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

  • May provide rates and loan information to clients.

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

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

  • Writes credit memorandums.

  • Accompanies lenders on business calls.

  • Conducts industry research.

  • Assists with special projects as assigned.


  • Requires a Bachelors degree in Finance or a related field and 4+ years of credit analysis experience including 1 year working with complex or specialized credits including helping to define the structure and pricing of the loan and making projects regarding the long term profitability of the loan. A combination of education and experience may meet requirements.

  • Extensive knowledge of financial and spread analysis and credit/lending procedures for very complex loans.

  • Broad application of commercial credit principles, theories, and concepts in applicable discipline, plus extensive knowledge of other related fields.

  • Working knowledge of various types of loans.

  • Ability to work with lending officers and staff.

  • Solid communication skills, both verbal and written.

  • Ability to make sound decisions and recommendation regarding loans.

  • Strong PC skill required.


  • Medical and Dental Insurance + Life Insurance + 401(k) plan
  • generous company matching!
  • Competitive compensation commensurate with work experience (some roles include incentives, mileage + travel time pay, and/or parking waivers.

  • Eligible for sales bonuses + monthly incentives and/or annual discretionary bonus

  • Paid Training, paid Vacation, paid Holidays and promotional opportunities offered from within

  • Tuition Reimbursement for qualifying employees

  • Stable Employer, a division of Zions Bancorporation and is included in the S&P 500 & NASDAQ Financial 100 indices.

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Credit Analyst - Downtown San Diego, CA

California Bank & Trust