Commercial Credit Analyst II

About City First Bank N.A.

City First Bank N.A. is a mission‑driven Community Development Financial Institution (CDFI) principally focused on a transformative impact in underserved, urban markets with the highest needs to drive equitable economic development. Our credit activities are purely commercial and focused on the following segments:
Multifamily Affordable Housing, Not‑for‑Profit Finance, and Small Business Finance. As a depository and commercial lending provider with over $1.3 billion in bank assets as of December 31 2024, our unified organization has over 100 employees in Washington DC and Los Angeles/Inglewood, CA.

The Commercial Credit Analyst II will directly support the Senior Credit Officer in managing the Bank’s loan portfolio. This role will assume responsibility for the more complex lending relationships in the portfolio, including occasional underwriting, and serve as a senior subject‑matter expert internally and externally. The analyst will handle all aspects of the relationships in the assigned portfolio including approvals, annual reviews, monitoring and watch reporting.

There are no business development responsibilities; however, the individual must be able to recognize such opportunities and refer these to the appropriate area of the bank.

In addition to individual portfolio assignments, the position will assist the Senior Credit Officer in measurement and tracking of portfolio metrics. The individual will need a broad working knowledge of a credit portfolio, including loan loss reserves, risk rating assignments, general loan accounting, and risk management. Attention to detail and the ability to research and resolve issues as they arise is critical.

The analyst will also work closely with the Senior Credit Officer, playing a primary role in the bank’s CECL methodology selection, development, and implementation process.

The position requires a demonstrated ability to work across multiple areas of the financial institution while providing competent, courteous, and professional customer service to external and internal customers. The successful candidate thrives on high‑quality service, strong initiative using accumulated knowledge and experience, problem solving, and an eagerness to adapt and develop new banking skills, e.g., CECL model development.

• Monitor a portfolio of commercial loans risk‑rated of all ratings, perform analysis to determine the financial viability of the customer, develop and implement a strategy and plan for the collection of the loans.
• Identify potential problem loans, recommend risk rating changes, and assume responsibility for loans newly identified as criticized and classified problem loans with the goal to upgrade the risk rating of the loan to performing.
• Recognize revenue opportunities in the portfolio and follow through on routine requests for credit or other bank services. Ensure retention of existing clients and meet credit needs to the extent the bank is comfortable.

• Analyze and spread the customer’s financial information, assess collateral, perform delinquency review, perform industry comparisons, assess risk rating, and prepare business, personal, and global debt service coverage ability. Prepare written presentations detailing the findings of the analysis.
• Assist the DCCO with monthly management and Board reporting activities, including research of items that present anomalies to the portfolio. Manage time to produce accurate reporting.
• Work with the DCCO on the ongoing CECL implementation process and assist in the management of the ALLL during the transition and required parallel tracking period. Responsible for data integrity management portion of CECL adoption and implementation.

• Create an atmosphere that maintains a high level of morale and embraces the vision, values, mission and team expectations while providing “best in class” customer service to internal and external clients.
• Contribute to the development and implementation of annual department goals and individual goals.