Credit Analyst

Location

Irvine, CA

Full-Time | Non-Exempt | Hybrid Eligible

$30 – $35/hour

Commercial Bank of California (CBC) is the largest Latino-owned bank in California and a certified Minority Depository Institution (MDI). Headquartered in Irvine and founded in 2003, CBC is one of the largest privately held banks in the state, with over $3.5 billion in assets as of December 2024. We are a purpose-driven financial institution committed to building long‑term relationships and delivering innovative, personalized banking solutions.

Our leadership reflects the diverse communities we serve, and our mission is rooted in empowering entrepreneurs, business owners, and community leaders to thrive. As a certified MDI, CBC is proud to play a vital role in advancing financial inclusion and economic opportunity. We believe in a higher vision for banking—one that prioritizes trust, collaboration, and community impact. Join us and be part of a team that’s redefining what it means to be a community‑focused, relationship‑driven bank that puts people over profits.

We are seeking a detail-oriented and motivated Credit Analyst to join the Credit Department at Commercial Bank of California (CBC). This role is ideal for individuals looking to grow their career in commercial banking and credit analysis while supporting CBC’s mission to deliver exceptional financial solutions and promote Life Wealth for our clients and communities. As a Credit Analyst, you will play a critical role in the underwriting and portfolio management process by conducting credit investigations, preparing financial analyses, and ensuring compliance with CBC’s lending policies and regulatory standards.

You will analyze credit data and financial statements to assess risk and determine creditworthiness for lending decisions. Your insights and recommendations will directly influence CBC’s lending strategies and contribute to the bank’s overall financial health. This position requires strong analytical skills, attention to detail, and the ability to collaborate across departments in a fast-paced environment. By joining CBC, you will help uphold our commitment to integrity, client success, and community-driven banking.

• Credit Investigation and Analysis
  • Conduct thorough credit investigations and evaluations to determine the creditworthiness of commercial and consumer loan applicants.
  • Review credit histories by obtaining reports from reputable sources and references.
  • Prepare financial spreads and assist in the development of credit presentations.
  • Analyze information and prepare credit write-ups for new loans and renewals as requested by lending officers.
• Establish and Maintain Credit Files
  • Ensure all customer credit documentation—including loan applications, financial statements, tax returns, credit reports, and account information—is complete and up to date.
  • Maintain accurate and organized credit files in compliance with internal policies.
  • Monitor and update financial statements to ensure they remain current and meet loan agreement requirements.
• Monitor Existing Credit Relationships
  • Track existing credit lines to ensure compliance with loan terms and covenants.
  • Review maturing loan reports and coordinate with account officers regarding renewals.
  • Prepare renewal notifications and request updated financial information from customers.
  • Identify and report covenant violations promptly and recommend appropriate actions.
  • Evaluate loans for changes in risk and assist in risk rating adjustments.
  • Support collateral reviews and audits for asset-based lending relationships.
• Additional Responsibilities
  • Collaborate with other credit analysts on special projects and process improvements.
  • Organize and manage loan files for storage and retrieval, including electronic records.
  • Coordinate with internal departments to facilitate loan documentation and closings.
  • Participate in training sessions and assist in educating staff on compliance and sound lending practices.
  • Perform other duties as assigned to support credit and lending operations.

These specifications are general…