Senior Credit Analyst
Avidbank
full-time
Posted on:
Location Type: Hybrid
Location: San Jose • California • United States
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Salary
💰 $75,000 - $125,000 per year
Job Level
About the role
- Analyze commercial real estate credit requests to evaluate borrower creditworthiness, risk rating, loan structure, collateral adequacy, and repayment sources.
- Perform comprehensive financial analysis of borrowers and guarantors, including review of financial statements, tax returns, rent rolls, operating statements, and property‑level performance.
- Prepare complete and well‑documented credit approval packages for submission to Credit Officers and loan committees, including clear risk assessments and recommendations.
- Ensure all credit requests comply with Bank credit policy, underwriting standards, and applicable regulatory requirements.
- Assess borrower credit history, management experience, and overall strengths and weaknesses impacting credit decisions.
- Partner closely with the team to maintain accurate, current, and regulatory‑compliant credit files; participate in client meetings and property inspections as necessary.
- Request, review, and track required borrower financial information and third‑party due diligence materials.
- Monitor ongoing financial performance and covenant compliance across the commercial real estate loan portfolio.
- Support loan structures, renewals, extensions, modifications, and portfolio management activities.
- Participate in loan committee meetings and contribute to credit discussions and risk evaluations.
- Provide analytical support for deal screening, transaction due diligence, and financial modeling related to CRE lending activities.
- Perform general administrative and documentation duties, including file maintenance, document scanning, data entry, and reporting support.
Requirements
- Undergraduate degree
- Strong attention to detail and intellectual curiosity
- Strong understanding of Microsoft Office including Excel, Word, PowerPoint, Salesforce, etc.
- Ability to take ownership of simultaneous assignments and produce results in time-sensitive circumstances
- Ability to work collaboratively with members of the deal team and with third party constituencies
- Ability to analyze data to support and improve business decisions.
- 6+ years related experience in commercial banking
- Degree with emphasis on finance, accounting, economics, mathematics, or technical field
- Interest or experience in commercial real estate finance, development, investing.
Benefits
- Competitive compensation
- Medical, dental, vision insurance
- Life insurance
- Long term disability insurance
- 401k with matching
- Paid holidays
- Competitive paid time off policy
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
financial analysiscredit analysisrisk assessmentfinancial modelingdata analysisloan structuringcovenant compliancedue diligenceportfolio managementdocument management
Soft Skills
attention to detailintellectual curiosityownership of assignmentscollaborationtime managementanalytical thinking