Credit Analyst IV - Mission Bank

Job Description
We are seeking a Credit Analyst IV to join our AG Divison in Downtown Bakersfield! The position of Credit Analyst IV ("CA IV") is responsible for analyzing credit information on current and potential borrowers. The CA IV manages a portfolio of existing loans for the Bank and identifies new lending opportunities within the current portfolio. The CA IV analyzes and reviews the creditworthiness of granting credit for diversified types of loans; assists Relationship Managers in underwriting loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. The CA IV assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.


Responsibilities include, but are limited to, the following:

1. Independently manage a loan portfolio and a customer base.
2. Responsible for servicing a variety of types of business loans in an assigned portfolio.
3. Assists Relationship Managers ("RMs") in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
4. Prepares spreadsheets and analyzes financial information including financial statements and tax returns.
5. Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons.
6. Underwrite loan requests for RM review; makes recommendation on loan structures and terms to loan officers.
7. Perform the review and renewal of credit facilities, and annual loan reviews of term loan customers to determine that current risk grades are still accurate.
8. Mentor support staff and peers and leverage your knowledge to aid in their development by proactively coaching.
9. Provide direct assistance to Regional Presidents, Division Manager and/or RMs, and accompanying on customer calls, as needed.
10. Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations, with an emphasis on the BSA/AML/CIP.
11. Other duties as assigned.

Experience and Skills
Minimum Requirements:

• Bachelor's degree (BA or BS) and four-five+ years of direct lending experience or equivalent combination.
• Possess a strong customer service orientation, and a willingness to place the customer first.
• Possess strong written/verbal communication skills as well as excellent organizational/time management skills.
• Working knowledge of credit risk principles, loan documentation, and regulatory expectations.
• Experience with nCino or similar loan origination/credit systems preferred.
• Proficient in Excel.
• Detail oriented.
• Strong ability to analyze and synthesize large amounts of data.
• Possess strong written/verbal communication skills as well as excellent organizational/time management skills.
• Ability to work with minimal supervision while performing duties.

Target Compensation: $97,000 - $121,000 annually, depending on experience.

Job Benefits
401K, Competitive Medical: PPO, HMO, Vision, Dental, Short-term and long-term disability, 11 paid holidays!