Business Banking Credit Analyst

The Business Banking Credit Analyst will review and analyze current credit data and financial statements to identify and assess credit risk. This position will assist in spreading financial statements, developing global cash flows, reviewing credit reports, historical payment performance and preparing credit recommendations. The Credit Analyst will provide quality service to all customers.

RESPONSIBILITIES

• Analyze financial statements as required and to identify, interpret, and explain root cause of trends in operating performance, financial condition and cash flow as these relate to credit risk.
• Performs cash flow analyses and other such tasks and comparisons as necessary.
• Proficient spreading of all types of business and personal financial statements.
• Develop Global Cash Flow analysis for complex business credits of all types.
• Use working knowledge of loan policy to identify loan policy exceptions and present in credit analysis.
• Review accounts receivable and payable agings for credit concentrations and quality of customers.
• Utilize Cash Suites for spreading financial statements and managing review date ticklers.
• Utilize chatter component of Salesforce to regularly communicate with Relationship Manager, Market Presidents and other employees regarding loan submission.
• Prepare and submit Credit Approval Memorandums for approval.
• Manage loan portfolio, including maturing loans, delinquency and requests for increases or other servicing actions.
• Prepare monthly report for Continuously Monitored Credits with recommendations regarding any change to the level of monitoring required for loans within the Portfolio, and actions needed for loans exhibiting possible deterioration.

QUALIFICATIONS

• 1-2 years of banking experience preferred
• 1-2 years of experience spreading financial statements, using a financial analytics software such as CASH or Moody's preferred

A reasonable, good faith estimate of the minimum and maximum base salary or pay for this position is $21.32/hr to $35.53/hr. Actual compensation will vary based on various factors including but not limited to location, experience, and performance. A discretionary bonus and/or business line incentive may be provided, in addition to a medical and other benefits, dependent on the position. For more information regarding our benefits, please visit https://www.ppbi.com/careers.html

CA (Los Angeles applicants): Applicants are notified that the Company is an insured depository institution subject to the restrictions and requirements of Section 19 of the Federal Deposit Insurance Act (12 CFR 303) ("Section 19"). In accordance with Section 19, the Company will consider an applicant's criminal history after an applicant is made a conditional offer of employment. Qualified applicants with criminal conviction records will be considered for employment in accordance with the Los Angeles Fair Chance Ordinance. Section 19 may prohibit the Company from employing an applicant with criminal conviction(s) for fraud, breach of trust, embezzlement, mishandling of money or any crime of violence may have a direct impact on the job duties as set forth in the job description and such convictions may result in withdrawal of a conditional offer of employment in accordance with the Los Angeles Fair Chance Ordinance. Because of the nature of our business, a review of your criminal history is necessary to comply with Section 19 and to avoid substantial risk to our business operations and licensing.

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