Job Description

Expansion - Growing Commercial Banking Business & Middle Market - Expansion Perm C&I / CRE Sr. Commercial Analyst roles paying $90K-$140K + OT + $HEAVY BONUSES IN SAN FRANCISCO, SAN DIEGO, NEW YORK, CONCORD, WALNUT CREEK, PALO ALTO, PORTLAND, MONTEREY/SALINAS, BOSTON.

1. 20 Person Team
2. Deals range from $1MM-$150MM+ (San Diego up to $350MM+)
3. Must Be – Articulate, roll up sleeves, review business financials, tax returns, and more.
4. Excellent credit skills focusing on venture capital and private equity deals, preferred but not needed – can train
5. Need strong K-1, personal cash flow, very COMPLEX financial statements
6. Nice to Have - Moody’s software

JOB DESCRIPTION OVERVIEW:

The Sr. Credit Analyst will work in a dynamic environment with Business Bankers and the Business Banking Department in evaluating, underwriting, monitoring and maintaining the overall credit quality of new and existing deals.

• SAN FRAN: C&I FORMAL CREDIT TRAINED PREFERRED, MORE FLEXIBLE ON RIGHT “CULTURAL FIT” - OWNER OCCUPIED, TERM LOANS, LINES OF CREDIT, ETC.
• MENLO PARK / PALO ALTO: VENTURE CAPITAL AND PRIVATE EQUITY LOAN FACILITIES (MOSTLY IN PALO ALTO, BUT EXISTS IN EACH LOCATION)
  • 2 IMMEDIATE OPENINGS!!! Another SF Team- Marine and/or Yacht / Aircraft financing experience (San Fran ONLY)
• New York, San Fran & Walnut Creek – various CRE + C&I Credit analyst roles, C&I Preferred
  • Walnut Creek also has Residential openings
• Palo Alto: Venture Capital and Private Equity loan facilities (Mostly in Palo Alto, but exists in each location)
• Monterey/Salinas: various CRE + C&I Credit analyst role. Also have Residential openings
• San Diego: Life Sciences is 40% in San Diego
• BOSTON & NY: new CRE + C&I Credit analyst roles, C&I Formal Credit Trained PREFERRED

JOB DESCRIPTION OVERVIEW:

The Credit Analyst will work in a dynamic environment with Business Bankers and the Business Banking Department in evaluating, underwriting, monitoring and maintaining the overall credit quality of new and existing C&I OWNER OCCUPIED, TERM LOANS, LINES OF CREDIT, ETC. We also have teams that focus on Venture Capital and Private Equity loan facilities.

RESPONSIBILITIES AND DUTIES:

• Underwriting and Analysis: Underwrite high quality credit narratives in support of new and existing loans. This responsibility requires the following skills:
  • Spreading business financial statements and tax returns
  • Analyzing multi-year trends and ratios from financial information
  • Understanding cash flow from operations, that includes identifying recurring & non-recurring sources of cash flow
  • Researching industry trends and risks
  • Performing collateral analysis including accounts receivable, inventory, real estate and investments
  • Running credit reports and gathering/analyzing KYC information
  • Spreading personal financial statements and tax returns for individual guarantors, developing borrower and guarantor global cash flow analysis
  • Presenting to Loan Committee for loan approvals.
• Loan Closing: Work closely with Business Bankers, Commercial Loan Operations, Outside Counsel and the client to document and close loans thoroughly and swiftly. This process includes:
  • Ordering loan documents, either in-house or using outside counsel Reviewing documentation for consistency and accuracy with credit approvals
  • Ordering and reviewing formation documents searches for clients
  • Ensuring loan terms have been detailed accurately on the Bank’s loan system, post-closing.
• Portfolio Management: Create, maintain, and monitor all loan and credit files at the highest quality. This process involves:
  • Monitoring existing credit facilities for financial and reporting covenant compliance
  • Reviewing the covenant compliance log to ensure updated financial information and covenant compliance and communicating with clients to receive required reporting information
  • Detecting early warning signs that could lead to a potential default
  • Identifying defaults immediately to the Business Banker and Loan Committee
  • Monitoring underperforming loans
  • Evaluating proper loan risk ratings
  • Corresponding with Credit on waivers, amendments, renewals, reviews and modifications
• Client Service: Assist the Business Banker on all levels of the business banking relationship to ensure the client receives exceptional service. This process includes:
  • Receiving and funding loan advances and payments
  • Collecting loan and legal fees
  • Calling on delinquencies
  • Assisting clients with various loan and deposit related inquiries
  • Remedying or submitting client requests to the proper departments and following up to ensure timely execution
  • Identifying cross-sell opportunities.
• Lead special projects as needed. Be or become proficient in Microsoft Office, and other software's
• Perform duties and responsibilities specific to department functions and activities.
• Performs other duties and responsibilities as required or assigned by supervisor.

SKILLS, KNOWLEDGE AND ABILITIES:

• Excellent credit skills focusing on venture capital and private equity deals, preferred but not needed – can train
• Team player
• Outstanding communication skills
• Provides extraordinary internal and external service
• Works independently

Company Description

Limitless Talent is a finance industry business partner specializing in matching skilled professionals within finance services for team project solutions full-time, temporary and consultant placement roles. Our focus is identifying candidates with the right skillset to join your team on a cost-effective basis. Our team engages experienced financial and business systems professionals to meet your needs and achieve your goals.