Credit Analyst I

Company: Fresno First Bank
Location: Fresno
Posted on: February 22, 2025

Job Description:

Description:Who We Are: FFB, a dynamic and acclaimed single-branch bank born in the heart of Fresno, CA in 2005, is on a mission to redefine the banking experience. Our commitment to delivering top-notch banking services has propelled us to the forefront of the industry, earning us accolades and recognition. At FFB, we recognize the uniqueness of each individual who walks through our doors, and our dedicated team strives to craft personalized banking solutions that cater to their distinct needs.
What sets FFB apart is not just our Fresno roots but the diverse talents that make up our team, hailing from every corner of the country. We firmly believe that our people are our greatest strength, and we're constantly on the lookout for ambitious and passionate individuals who align with FFB's vision, regardless of their location.
If you're ready to be part of a winning team and contribute to our ongoing success story, we invite you to apply and join the FFB family!
Recent Achievements Speak Louder Than Words:

• 2024 - American Banker - #1 Top Performing Publicly Traded Bank with under $2b in assets
• 2023 - American Banker - "Top 5" Community Bank in the Country #4
• 2023 - OTCQX - Best 50 Companies #3
• 2023 - 5-star Rating Bauer Financial What You Should Expect While Working at FFB:
  • Company ownership through our Employee Stock Ownership Program (ESOP)
  • A friendly, close-Knit work culture that encourages growth
  • Opportunities to Participate in Community Networking Events
  • Benefits Packageo Medical/Dental/Visiono Life Insuranceo Paid Vacationo 401(k) Retirement Plano Training & Developmento Tuition Reimbursemento Employee Assistance Programo Internal Job Posting & Referral Program
    Ideal Candidate: FFB prides itself on its core values of Teamwork, Relationship, Authenticity, and Commitment (TRAC). We expect that our team members will reflect these values in the workplace in various ways:
    • Teamwork - We collaborate, hold each other accountable, and win together.
    • Relationship - We are trustworthy, transparent, and respectful.
    • Authentic - We are humble, vulnerable, and we speak up.
    • Commitment - We are owners...Be hungry, responsive, and have a sense of urgency.About the Position:The position of Credit Analyst I is responsible for gathering and analyzing credit information on current borrowers for credit monitoring, extensions and renewals; monitoring various homogeneous portfolios; assisting and Underwriters in spreading and analyzing financial data; and promoting business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.
      Essential Duties:
      • Requests financial data from borrowers as required or needed and update the financial tickler upon receipt.
      • Spreads and Analyze current Borrower's financial data and calculate financial performance covenants to determine if Borrower is in compliance for Small Loan Commitments.
      • Assists Credit Analysts and Underwriters in analyzing borrower's financial data.
      • Monitors assigned portfolios of homogeneous credits for potential weaknesses or problems.
      • Assists in annual reviews of targeted portfolios of credit concentrations to determine any systematic deterioration in the portfolios.
      • Completes special projects as assigned by Credit Department Managers or the Chief Credit Officer.
      • Develops knowledge of financial industry, borrowers' industries, economy, market conditions, interest rates, vendors, and competition.
      • May represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business.
      • Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
      • Answers telephones, answers questions and directs callers to proper Bank personnel.
      • Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; and accepts responsibility for own actions.
      • Demonstrates knowledge of and adherence to Equal Employment Opportunity (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; and builds a diverse workforce and supports affirmative action.
      • Completes administrative tasks correctly and on time; supports the Bank's goals and values; and 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 one's own actions and conduct.
      • Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules, and regulations, and adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.Requirements:
        • Bachelor's degree or equivalent from a 4-year accredited college or university in Business, Finance, Accounting, or similar study, or equivalent related experience and/or training; or the equivalent combination of education and experience. Work related experience and training should consist of credit analysis, financial analysis, lending, or similar experience. Educational experience, through in-house training sessions, formal school, or financial industry related curriculum, should be business or financial industry related.
        • 1-2 years of basic experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
        • Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
        • Basic knowledge of related state and federal loan regulations and other Bank lending policies.
        • Ability to effectively present information and respond to questions from groups of managers, customers, and members of the general public.
        • Basic skills in computer terminal and personal computer operation; host computer system; and word processing and spreadsheet software.
        • Basic typing skills to meet production needs of the position.
        • Basic math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
        • Effective verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.
        • Ability to deal with normal problems involving multiple facets and variables in non-standardized situations.
        • Excellent organizational and time management skills.
        • Ability to work with minimal supervision while performing duties.
        • Current driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.
          
          
          Compensation details: 23-29 Hourly Wage
          
          
          
          PIcdd7cb3dd582-37248-36902600

Keywords: Fresno First Bank, Fresno , Credit Analyst I, Accounting, Auditing , Fresno, California