Senior Credit Analyst | Commercial Banking

A growing commercial bank is seeking a Senior Credit Analyst to support an expanding commercial lending team in San Diego County. This position offers the opportunity to work on a diverse portfolio of commercial banking relationships while partnering closely with experienced lenders and credit professionals.

The successful candidate will play a key role in evaluating credit opportunities, analyzing borrower financial performance, identifying risk factors, and supporting sound lending decisions.

The ideal candidate will possess strong analytical skills, a solid understanding of commercial credit, and a desire to continue developing within a relationship-focused commercial banking environment.

Responsibilities

• Analyze commercial loan requests and prepare written credit presentations
• Spread and analyze financial statements, tax returns, and cash flow information
• Evaluate borrower repayment capacity, collateral, and overall credit risk
• Assist with annual reviews, renewals, modifications, and portfolio monitoring
• Work closely with Relationship Managers and Credit Officers to support lending decisions
• Monitor covenant compliance and portfolio performance
• Ensure credit files and underwriting documentation meet regulatory and internal requirements
• Participate in ongoing portfolio management and risk assessment activities

Qualifications

• Commercial credit analysis or underwriting experience within a bank or credit union
• Strong financial statement and cash flow analysis skills
• Knowledge of commercial real estate and commercial & industrial lending
• Ability to prepare clear and concise written credit presentations
• Strong organizational skills and attention to detail
• Bachelor's degree in Finance, Accounting, Economics, Business, or related field preferred

This opportunity is ideal for Credit Analysts, Senior Credit Analysts, Underwriters, or emerging Portfolio Managers seeking exposure to a broad range of commercial lending relationships within a collaborative banking environment.

The organization offers a team-oriented culture, strong credit discipline, and opportunities for continued professional growth within commercial banking.