Credit Analyst

A bit about us:

Our client is a growing commercial lender in Los Angeles that serves small and mid-sized businesses and commercial real estate investors. They're adding a Credit Analyst to their credit team to support underwriting, portfolio monitoring, and loan committee decisions across a growing pipeline.

Why join us?

Medical Benefits + 401k
Great office culture

Job Details

What You'll Do

Underwrite new commercial loan requests by spreading business and personal financial statements and tax returns, and analyzing global cash flow, DSCR, leverage, liquidity, and collateral coverage
Write clear credit memoranda that evaluate repayment capacity, risk factors, and mitigants, with recommended structure and risk ratings for loan committee
Build and maintain Excel financial models and loan sizers, including projections, stress testing, and sensitivity analysis to quantify downside risk
Evaluate CRE and owner-occupied collateral using appraisals, comparable sales, and market data to support LTV and collateral analysis
Monitor an assigned loan portfolio through annual reviews, covenant compliance checks, and risk rating updates, and flag early signs of credit deterioration
Make sure loans meet internal credit policy and documentation requirements, working alongside the lending, closing, and servicing teams
Prepare portfolio and concentration reporting for senior management and the board, and help automate recurring reports where possible
Work with loan officers, borrowers, and third parties (appraisers, CPAs, attorneys) to gather due diligence and resolve open credit items
Support internal audit and regulatory examinations as needed

What You Bring

Bachelor's degree in Finance, Accounting, Economics, or a related field; Master's in Finance, Business Analytics, or MBA preferred
2+ years of credit analysis or underwriting experience at a bank, commercial lender, or CRE lending/advisory firm
Hands-on experience with financial spreading, tax return analysis (1040, 1065, 1120/1120S), global cash flow, and DSCR calculations
Strong credit memo writing and the ability to present a clear recommendation to credit committee
Advanced Excel skills (financial modeling, lookups, pivot tables)
Exposure to CRE lending, appraisals, or real estate valuation
Detail-oriented, organized, and comfortable managing multiple deals on deadline

Preferred

Experience with loan origination or credit systems (CreditQuest, Lending Cloud, nCino, Sageworks/Abrigo)
SQL, Power BI, or Tableau for portfolio reporting
Progress toward CFA, or credit training such as RMA or CBCA

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