Full time
River City Bank
2485 Natomas Park Drive, Sacramento, CA, USA
The Credit Analyst researches and analyzes borrower financial information; prepares and presents formal written loan presentations to CCO, CEO, and Loan Committee for approval on new and existing loan transactions; conducts ongoing financial analysis and credit monitoring on transactions within Bank’s loan portfolio.
Essential Functions
Analyzes and articulates transaction risk, and recommends loans for approval.
Assesses cash flows, total project cost analysis, collateral value, absorption analysis, and discounted cash flow analysis.
Analyzes borrower financial statements and tax returns for companies and individuals regarding net worth and cash flow and strengths/risks of loan repayment sources.
Identifies and summarizes risks related to third party reports and collateral valuations.
Evaluates preliminary title reports and various documents affecting the Bank’s collateral lien rights.
Prepares the formal written credit authorization ensuring complete and accurate...