Credit Analyst

Credit Analyst
Location: Fresno, CA (Onsite)
Salary: $65,000 – $85,000 DOE

A well-established financial institution serving businesses and communities throughout California's Central Valley is adding a Credit Analyst to its growing team. This organization has built a strong reputation for relationship-focused banking, sound lending practices, and long-term employee retention. This role plays a critical part in supporting lending decisions by providing thoughtful financial analysis and credit recommendations that help drive responsible growth.

The Opportunity

This position exists to support a busy commercial lending team by evaluating creditworthiness, analyzing financial performance, and identifying potential lending risks. The Credit Analyst will work closely with Relationship Managers, Loan Officers, and credit leadership to provide the analysis needed for informed lending decisions. It's an excellent opportunity for someone who enjoys digging into financial statements, understanding businesses across various industries, and building a long-term career within commercial banking.

What You'll Do

• Analyze financial statements, tax returns, cash flow reports, and other financial data to assess borrower creditworthiness
• Prepare credit memorandums and lending recommendations for commercial loan requests
• Review existing loan portfolios and monitor customer financial performance and covenant compliance
• Partner with Relationship Managers and lending teams to gather information and evaluate potential loan opportunities
• Maintain accurate credit files and support ongoing risk assessment and portfolio management activities

What We're Looking For

• 2+ years of experience in credit analysis, commercial banking, lending, or a related finance role
• Strong understanding of financial statement analysis, cash flow analysis, and credit risk assessment
• Experience using Microsoft Excel and financial analysis tools to evaluate borrower performance
• Banking, commercial lending, agricultural lending, or credit underwriting experience is highly preferred

Why This Role Stands Out

• Join a stable and respected financial institution with deep roots in the Central Valley market
• Gain exposure to a diverse commercial loan portfolio across multiple industries
• Work directly with experienced lending professionals and senior leadership
• Collaborate within a team-oriented environment that values professional growth and development

If you're looking to build your banking and finance career with an organization that values analytical thinking, sound decision-making, and professional development, this is an opportunity worth exploring. You'll have the chance to contribute to meaningful lending decisions while strengthening your expertise in commercial credit and risk analysis.

If you're looking for a role where you can make an impact while continuing to grow professionally, this could be the right next step.

Timing is everything. Whether you're actively exploring or open to the right opportunity, we'd welcome the chance to connect. Many of our roles are not posted publicly—reach out to learn more.