Commercial Analyst

Overview

This role supports the sales and credit functions of the bank as part of a relationship team. Working with relationship managers, the analyst collaborates to develop pitch materials for prospects and manages lending process activities for relationships with credit commitments less than $10 million. Responsibilities include client due diligence, credit approval process support, documentation quality, and maintaining accurate information in systems of record.

Responsibilities

• Work with relationship managers, loan closers, and underwriters to identify and respond to client requirements as a member of the deal team for credit commitments less than $10 million.
• Create pitch materials for prospects and/or clients, regardless of credit commitment amount.
• Lead and/or participate in due diligence meetings to develop an in-depth understanding of clients’ business, management teams, and industry sector.
• Review loan requests under $10 million in credit commitments to determine required business documents and financial statements; collect and upload items to Salesforce using the bank’s secure document collection portal as appropriate.
• Complete lending-related tasks, including requesting and reviewing financial statement spreads and preparing a Return on Equity (ROE) analysis.
• Prepare preflight memos for deal team discussion, with a focus on accuracy of loan request details.
• Complete data entry in nCino for new loan requests/renewals/modifications and submit requests for underwriting.
• Review final credit approval memos for accuracy; partner with loan closers or outside counsel to support preparation of loan documentation.
• Review loan documentation to ensure terms are consistent with the credit approval memo (e.g., interest rates, covenant definitions, etc.).
• Ensure waiver, amendment, and extension requests are properly approved and saved appropriately.
• Coordinate with the Credit Surveillance team to ensure interim and annual relationship reviews are completed accurately.
• Conduct annual portfolio data integrity reviews to ensure systems of record (e.g., Salesforce, nCino, Hogan, LIQ) accurately reflect risk ratings, loan booking data, and other related borrower information.
• Proactively identify deteriorating credits and other potential credit concerns (e.g., changes in borrower ownership or wherewithal) and communicate findings to risk partners.
• Work with bank examiners and internal credit reviewers to validate credit quality and integrity of the credit process.
• Support ongoing portfolio management by ensuring timely collection of borrower financial statements using the bank’s secure document collection portal, timely renewal/extension of loans/lines, and proper remediation and management of internal risk rating findings.
• Assist in training and developing new Commercial Analysts.
• Perform other duties as assigned; responsibilities and/or activities may change or new ones may be added at any time with or without notice.
• Comply with all policies and procedures, including professional conduct, ethical business practices, avoiding conflicts of interest, and acting in the best interests of clients.

Education Qualifications

• Bachelor’s Degree in Business, Finance or a related field (required)

Experience Qualifications

• Minimum of 2 years of commercial banking experience (e.g., credit structuring & analysis, sales functions, risk assessment, knowledge of commercial banking products, services & technology) accounting (required)
• Minimum of 2 years working in Credit Structuring & Financial Analysis (required)
• Ability to manage workflow and complex commercial banking deals (required)
• Ability to manage stress and competing priorities (required)
• Minimum of 2 years working in Commercial Middle Market Credit Structuring & Financial Analysis (preferred)
• 2 years Commercial Middle Market Underwriting and Financial Analysis (preferred)

Tactical Skills

• Formal credit training strongly preferred
• Proficiency in Microsoft Word, Excel, PowerPoint
• Applicable systems may include Salesforce, nCino, SharePoint
• Ability to meet timelines and perform multiple tasks

Practical Skills

• Business acumen
• Oral & written communication
• Analytical thinking
• Risk management

Compensation & Benefits

• Base salary range: $71,000.00 - $125,000.00 annually
• Placement within the range may differ based on factors including skills, experience, and geographic location.
• Incentive compensation eligibility, which may include production, commission, and/or discretionary incentives.
• Benefits eligibility is available for this position.
• Work arrangement includes an approach that prioritizes in-office presence, while providing flexible options when roles can be effectively performed in a mobile environment.

Location

For Those Who Work At Home, California

APPLICANTS FOR THIS POSITION MUST RESIDE IN THE STATE OF CALIFORNIA.

Additional Information

• Job posting expiration date: 11/30/2026
• Equal Opportunity Employer commitment to inclusive culture.
• Reasonable accommodations may be available for qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply.

Physical & Driving Requirements

• General office demands: prolonged sitting; ability to communicate face to face in person or on the phone with teammates and clients; frequent use of PC/laptop; occasional lifting/pushing/pulling of backpacks or computer bags up to 10 lbs.
• Driving requirements: ability to occasionally operate a motor vehicle with a valid driver’s license.

Remote Status

• #LI-Remote