Sr. Credit Advisor (Business Lending) - Irvine #043135
California Bank and Trust, a division of ZB NA, is a leader amongst banks in California with over $10 billion in assets and nearly 100 branch offices in the state, is currently seeking a Sr. Credit Advisor. California Bank & Trust prides itself on creating California's best banking relationships and to do this we must continue to build a team of intelligent contributors who can add value to our clients' businesses and build deep roots in the communities we serve.
Business Lending Services Department is currently seeking well qualified professionals for the role of Sr. Credit Advisor. The Business Lending Services Department specialize in lower middle-market commercial loans, commercial real estate loans, and SBA throughout California. The successful candidate will perform the following job duties:
Responsible for analyzing and underwriting complex Commercial & Industrial, Investor CRE, Owner-Occupied CRE, and SBA 504 and 7a loans. Writes credit narratives and pre-flights/concept memorandums.
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 tax returns, accounts receivable and payable agings, inventory reports, third party appraisal reports, and related material. Analyzes financial conditions and trends. Reviews and reports non-compliance with loan covenants.
Determines cash flow using appropriate software and cash flow models. Builds custom cash flow models for complex borrowers or industries.
Prepares summaries, presents facts, and offers opinions concerning credit-worthiness to relationship managers, senior management, and credit approvers. Makes recommendations for credit and covenant structures.
May provide rates and loan information to clients.
Ensures that all credit files include proper documentation including current financial statements, agency reports, etc.
Reviews financial and reporting covenants in loan documents.
Maintains control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed.
Accompanies relationship managers on business calls.
May assist in the training and mentorship of junior credit analysts.
Conducts industry research.
Assists with special projects as assigned.