CB Credit Analyst

Come Join our Team now!  

Develop credit information for use by senior credit analysts, lending officers, or committees in the making of lending decisions on new, renewal and extension loans. Including:

• 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 related material
• Prepares summaries, presents facts and occasionally offers opinions concerning credit-worthiness
• Writes and presents approval, problem credit, and other loan memoranda

Provide credit information and references for customers, loan officers, or other agencies as requested.  Including:

• Ensures that all credit files are kept current with current financial statements, agency reports, etc.
• Contacts all available sources of information
• Assembles all pertinent information and reports

Manage borrowing bases and related line use, construction draws, and financial covenant checks, watching for any developing problems and keeping loan officers and/or senior analysts informed.

Back-up Customer Service Representatives and Documentation Specialists.  In smaller offices, some of the responsibilities associated with those positions may be assigned to Credit Analysts.

Education/Knowledge/Skills & Abilities

• College degree or equivalent in Finance, General Business or Accounting – desirable
• 1 - 4 years related job experience;
• Prior credit experience within a banking environment is desirable;
• Understanding of collateral requirements with general exposure to documentation
• Knowledge of credit investigations
• Use of bank standard word processing software and spreadsheet software with strong understanding of multiple math formulas.
• General communication (oral and written); clear voice communication; business telephone etiquette; distribute and exchange information with others; interaction with managers, employees, regulatory agencies, industry peers, customers, communicate/work with confidential information; compose draft written materials, correspondence/memoranda, reports, publications.
• Sound reasoning and judgement skills
• Exceptional interpersonal and rapport building skills
• Highly Organized
• Attention to Detail
• Knowledge Retention

Physical and Mental Requirements:

• General office environment
• May be necessary to work extended hours
• Ability to effectively discern information and formulate appropriate action
• Ability to think critically and provide appropriate solutions
• Ability to perform repetitive finger, hand, and arm movements
• Ability to lift up to 20lbs.
• Ability to sit or stand for extended periods of time
• Ability to reach, squat, bend, and manually manipulate standard office equipment

Our Mission is simple, to be the best Bank for our employees, customers, investors and community. 

At Bank of the Pacific, we are committed to delivering memorable service beyond the customer’s expectation, to include both external and internal customers. We consistently demonstrate our values through teamwork, open communication, integrity, honesty and respect for others. Additionally, we will maintain a professional appearance through dress, conduct and an orderly work area. A successful candidate will possess these qualities and be enthusiastic, professional and of high ethics. They will embrace our Mission, Vision and Values and actively contribute to our success.

Our Core Values – We Care.

            We consistently demonstrate this through:

Teamwork and open communication ~ Integrity, honesty and respect for others ~ Enthusiasm and positive recognition ~ Professionalism, initiative and innovation ~ Accountability, focused action and timely follow-through ~ Commitment to make our company a success

For your Benefit We Offer:

• Salary range for all tiers:
  • Tier I  $25.00 - $33.00 per hour
  • Tier II  $32.00 - $42.00 per hour
  • Senior  $80,000 - $120,000 annually
• The specific salary offered will depend on several factors including but not limited to applicant’s knowledge, skills and experience relevant to the position.
• Eligible to participate in annual incentive plan.
• We offer a comprehensive healthcare benefit package that includes: Medical, Dental, Vision, EAP, LTD, STD, Group Life, VTL, AD&D, FSA, DCAP, LFSA, and HSA.
• Retirement Savings Plan through 401(k) with an additional Roth 401(k) option. We match 100% of your deferral up to 5% of eligible compensation.
• Wellness Dollars up to $500 per year.
• Weekend Wellness Hours, 4 per quarter.
• Paid Birthday and Anniversary Holiday
• 11 paid Holidays per Year
• Sick Leave Time – Earn up to 8 days each Year
• Vacation – 12 days each Year (first year adjusted based on hire)
• Vacation Purchase Plan
• Tuition Reimbursement
• Employee Banking Privileges and Special Loan Features.

All employees are responsible for internal controls in the performance of their assigned duties. Internal Control responsibilities are established in various policies, procedures, and documents including the Code of Conduct.

Bank of the Pacific is an Equal Opportunity Employer committed to diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, citizenship, marital status, age, disability or protected veteran status.

Salary Range Disclaimer:

The base salary range represents the minimum and the maximum of Bank of the Pacific’s salary range for this position. Actual salaries will vary depending on factors related to business needs and the employee’s relevant knowledge, qualifications, experience, and job performance for the position.

Salary : $80,000 - $120,000