STATUS: Exempt, regular full-time 

DEPARTMENT: Credit Administration

LOCATION: Sacramento, CA / Fresno, CA / Goleta, CA

Job Summary and Scope of Responsibility: Evaluate large commercial credit requests. Prepare and recommend credit authorizations.

Essential Duties & Responsibilities:  With or without reasonable accommodation must be able to perform all essential job functions as described below.

• Assist account officers with collecting/reviewing borrower’s financial information, credit reports and collateral verification information (e.g. UCC filings, appraisals, etc.), in order to underwrite basic conventional commercial and industrial loans and commercial real estate loans. Ensure that all required documentation is present, complete and appropriate to the credit request. 
• Analyze and interpret profitability, cash flow, credit reports and financial ratios to determine if they meet guidelines for adequate repayment capacity. 
• Evaluate and verify collateral.
• Analyze borrower's competitive and economic sensitivities, general business conditions, and management.
• Determine borrower credit worthiness/risk factors, and recommend risk mitigation measures.
• Assist account officers with preparing Credit Authorization Memorandum (CAM) and recommend credit approval. Includes financial review report and opinion of credit risk.
• Present credit requests and respond to credit administration questions.
• Prepare problem loan reports, EAD and/or DCF analysis, as appropriate, and TDR assessments.  

Minimum Qualifications to Perform Essential Functions:

Knowledge, Skills and Abilities: 

• Knowledge of commercial credit products, concepts, processes, and functions.
• Knowledge of business management and planning tools, including financial statements and ratios, budgets, inventory and accounts receivable turnover.
• Ability to analyze and interpret financial statements, business reports and legal documents.
• Knowledge of applicable federal/state banking regulations.
• Effective math skills, including ratios, percentages, interest and amortization.
• Good judgment, problem solving and decision-making skills.
• Ability to review and critically evaluate information or data in order to identify areas of potential risk.
• Strong attention to detail.
• Ability to adapt to changes and manage multiple priorities.
• Professional demeanor, speaking, writing and presentation skills.
• Personal computer proficiency, including internet browsers, and word-processing and spreadsheet applications.
• Proficiency at speaking, reading and writing English.

Experience and/or Education:

• Four-year degree in Business/ Accounting or equivalent training/experience.
• Three years of experience underwriting complex commercial credits including asset-based lines of credit, contractor lending, participations, construction lending and non-owner occupied commercial real estate, preferred.
• Commercial loan underwriting experience at a bank, preferred.
• Experience underwriting SBA and/or agri-business credits, preferred.

Excellent benefits package for eligible employees and their families. Competitive salary BOE in the range of $74,000 - $132,000 Annually.