Credit Analyst
Open Bank
full-time
Posted on:
Location Type: Office
Location: Los Angeles • California • United States
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Salary
💰 $22 - $26 per hour
About the role
- Assist underwriting commercial loan products following the bank’s loan policy and procedures, and general prudent lending practices.
- Perform credit analysis and spreads on financial information; and communicate with the Senior Credit Administrator on loans.
- Perform site visitations to new borrowers and existing borrowers.
- Prepare and review files for policy, regulatory, and documentation compliance, including equal credit, fair credit reporting, BSA, and other regulatory requirements.
- Follow up with tickler items.
- Provide good service to all clients and potential clients of the bank, as needed as required for obtaining necessary documents for other departments of the bank.
- Maintains high level of awareness in areas of regulatory compliance, loss prevention, security matters and adherence to Bank’s policies and procedures.
Requirements
- Bachelor’s degree in Business Administration or related field or equivalent work experience required.
- Excellent verbal and written communication skills.
- Good written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person, and over the phone.
- Ability to respond effectively to the most sensitive inquiries or client complaints.
- Present a professional image in dealing with customers, interdepartmental, and external representatives.
- Accurate typing/keyboarding skills; basic computer skills, including the use of word processing, spreadsheet software applications, core banking process systems, e-mail and on-line banking programs.
- Good analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions.
- Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
- Ability to retain broad knowledge of lending tasks.
- Strong analytical skills with a thorough understanding of lending operations and client needs.
Benefits
- Medical, Dental, & Vision : Open Bank offers medical, dental, and vision insurance for all full-time employees and their immediate family members.
- Life, Accidental Death & Dismemberment, & Long-Term Disability : Open Bank pays 100% of the cost.
- Flexible Spending Account (FSA) : Tax-advantaged financial accounts are offered for employees to pay for eligible out-of-pocket expenses (health, dependent care, transit, and parking) with pre-tax dollars.
- 401(k) Retirement Savings Plan : Open Bank matches 100% of the first 6% of employees' contributions.
- Paid Time Off (PTO) : Employees begin to accrue PTO hours at the time of hire to use for vacation, illness, or other personal reasons.
- Employee Assistance Program (EAP) : The EAP offers counseling sessions, online tools and resources, and legal and financial guidance for employees and their family.
- Company Paid Lunch: Open Bank provides company paid lunch twice a week.
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit analysisfinancial information analysisregulatory compliancedocumentation compliancelending operationsdata collectionproblem definitionmathematical interpretationanalytical skillstyping skills
Soft Skills
verbal communicationwritten communicationprofessional imageclient servicesensitivity to inquiriesinterpersonal skillsproblem-solvingattention to detailadaptabilityteam collaboration