Exchange Bank · 4 hours ago
Credit Analyst
Santa Rosa, CA
Full-time
Onsite
Entry, Mid Level
$70K/yr - $84K/yr
2+ years expExchange Bank is seeking a Credit Analyst to provide credit analysis of commercial loans of varying complexity. The role involves gathering and analyzing financial data, reviewing borrower's payment history, and ensuring compliance with loan covenants and reporting functions.
BankingFinanceFinancial Services
Responsibilities
Complete comprehensive financial and risk analysis and documentation including the review of tax returns, financial statements, credit reports, UCC searches and filings, title reports and escrow instructions (when applicable)
Complete borrowing base/collateral analysis
Analyze financial statements for spreading into the Bank's loan origination software, accounts receivable and borrowing base analysis, etc
Analyze personal tax returns (including K-1s) for appropriate spreading and/or cash flow analysis
Prepare simplified credit presentations (credit memos and CITs) for review by Credit Administrator
Communicate regularly with internal staff, clients and other Bank departments to procure information and complete customer service functions
Review and coordinate the Business Loan Agreement (BLA) compliance of loan covenants and financial reporting, ensuring collection of information and communication with Credit Administration
Respond to internal and external audit requests, as well as implement self-audit processes
Recommend methods and procedures to improve department efficiency and reporting functions
Attend internal and external meetings as required
Ensuring database information is up to date and accurate for ad hoc reporting regarding loan totals, past dues, risk grades, maturities, and sales contacts
Perform special projects and research as assigned
Perform other duties as assigned
Qualification
Required
An associate's degree in finance, accounting, or related field and 2 years of experience in commercial lending; or an equivalent combination of education and experience
Knowledge of financial, tax, and accounting principles for report analysis
Knowledge of loan origination software
General knowledge of construction, commercial real estate, and commercial loan underwriting methods and practices
Knowledge of tax analysis methods and financial analysis tools
General understanding of loan origination software and basic understanding of the loan documentation processes
Skills operating a personal computer including MS word processing, contact management, Outlook, Excel, and use of the search engines for research
Ability to interpret financial documents
Ability to stand, bend, stoop, sit, walk, twist and turn
Ability to lift up to 15 pounds occasionally
Company
Exchange Bank
Exchange Bank provides banking and financial services for personal, commercial trust and investment.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
A.J. Vazquez
Branch Manager III, Vice President
Dorothy Rodella
VP & Branch Manager
Recent News
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2025-11-24
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2025-10-21
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