Valley Republic Bank Credit Analyst in Bakersfield, California

Credit Analyst - Position DescriptionJob Responsibilities:The position of Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. Valley Republic Bank offers a wide range of competitive employee benefits including: Health and Insurance BenefitsMedical/Dental/VisionFlexible Spending AccountsShort and Long Term DisabilityEmployee Assistance ProgramWellness Program Financial Benefits401(k) Plan with Employer MatchCompanywide Incentive PlanTuition Assistance ProgramBanking BenefitsEmployee Referral Bonuses Essential Duties:Assists loan officers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests from framework of Bank credit policy and current economic and industry trends.Assists loan officers in gathering data from customers, internal and outside sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns; contacts customers for additional information and clarification of data.Prepares or assists in the preparation of Credit Authorizations for approval. Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons. Writes financial reviews and reports.Informs loan officers when up-to-date financial statements are needed; ensures credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.Assists loan officers in the review and renewal of credit facilities; provides back-up support.Checks pledged assets as requested by loan officers.Develops knowledge of financial industry, economy, market conditions, rates, vendors and competition.Assists loan officers with field work, including site visits; completes a written report of findings.Compiles relevant commodity data to establish a commodity price list to determine the economic viability of various industries.Reinforces the application of superior customer service through his/her own example along with appropriate follow through with involved customers and employees. Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the positon.Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action. Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bankandrsquo;s goals and values; benefits the bank through outside activities.Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to oneandrsquo;s own actions and conduct. Desired Skills and Experience:The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner.Bachelorandrsquo;s degree; or the equivalent combination of education and experience. Work related experience should consist of a financial analyzing or lending background. Educational experience, through in-house training sessions, formal school o