23 días de edad

Senior Credit Analyst

Sterling Bank & Trust
San Francisco, CA 94102
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Sterling Bank & Trust



Assists Loan Officers in conducting credit investigations and preparing credit memorandums for diversified types of loans, including construction, commercial & industrial and commercial real estate loans.

The analyst must have strong written communication skills, be well organized and able to perform multiple tasks simultaneously.


Collects, organizes, and analyses all data for loan requests.

Recommends loan structure and terms to Loan Officers.

Contacts customers for additional information and clarification of data.

Analyzes borrower's financial position by interpreting and evaluating financial statements, tax returns, and/or projections.

Performs cash flow, trend, and ratio analysis.

Analyzes rent rolls, A/R aging, leases, appraisal, environmental, and/or title reports.

Identify weaknesses in loans and Assign/recommends the appropriate loan risk rating grades according to the Bank's Loan Policy.

Ensures that sources of repayment are sound and well documented.

Conducts loan related industry and market research.

Prepares a comprehensive credit memorandums and provides opinions and recommendations regarding proposed loans and potential risks.

Monitors borrowers' financial stability by analyzing financial statements and collateral.

Reviews loan documents for accuracy, completeness, and adherence to credit memorandum covenants and conditions.

Prepares interim and annual reviews of CRE, construction and C&I loans as appropriate

Prepares quarterly Loan Review reports for certain credits (criticized/classified)

Reviews interim and annual financial statements, rent rolls, tax returns and other information provided by borrower and documents the review in the credit file

Assists in preparation of monthly Credit Administration reports.

Conducts analytical credit-relevant studies and industry research.

Possesses a full understanding of the Bank's credit culture, Loan Policy, and current economic and industry trends.

Contribute to development of new policies, procedures, and methodologies.

Performs other duties as assigned.



An EOE Employer, Including Disability/vets

Candidates will be required to show proof of being fully vaccinated against COVID-19 upon starting employment. Reasonable accommodations will be considered on a case-by-case basis for exemptions to this requirement in accordance with applicable law.


To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


Undergraduate from four-year college or university in Accounting, Finance or related field is preferred. A minimum of 5 - 7 years of experience in commercial lending and/or commercial credit underwriting or equivalent experience. Good customer service and interpersonal skills. Excellent analytical and strong MS Office skills. Understanding of the theories o f credit underwriting and loan structuring. Thorough knowledge of banking laws and regulations. Experience spreading and analyzing individual tax returns and financial statements is strongly preferred.


REQ NUMBER: CRE-22-00001

LOCATION: San Francisco Area

ABOUT THE ORGANIZATION: Sterling Bank & Trust provides a comprehensive choice of banking solutions, innovative loan products, and outstanding personal service to individuals, professionals, businesses, and commercial customers as a trusted neighborhood bank. We're known for highly competitive deposit rates, expertise in mortgage lending, and keeping deposits at work in the local community. Our customers know that they can stop by any branch and be treated like family. Since the Bank was founded in 1984, our customers have trusted us to help them handle their banking and financial needs. With over $3 billion in assets, Sterling Bank & Trust continues to grow better to serve our customers in communities across the U.S.

EOE STATEMENT: Sterling Bank and Trust is proud to be an equal employment employer. We do not discriminate in hiring or any employment decision based on race, color, religion, national origin, age, sex, (including pregnancy, childbirth, or related medical conditions), marital status, ancestry, physical or mental disability, genetic information, veteran status, gender identity or expression, sexual orientation, or other applicable legally protected characteristic.

Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. A reasonable accommodation is a change in the way things are normally done which will ensure an equal employment opportunity without imposing undue hardship on Sterling Bank. Please inform Sterling Bank's human resources department if you need assistance completing any forms or to otherwise participate in the application process.



Posted: 2022-06-07 Expires: 2022-07-08

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Senior Credit Analyst

Sterling Bank & Trust
San Francisco, CA 94102

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