Senior Credit Analyst at Sterling Bank & Trust

Posted in Accounting 10 days ago.

Location: San Francisco, California

Job Description:

Sterling Bank & Trust



Assists Loan Officers in conducting credit investigations and preparing credit memorandums for diversified types of loans, including construction, commercial & industrial and commercial real estate loans.

The analyst must have strong written communication skills, be well organized and able to perform multiple tasks simultaneously.


Collects, organizes, and analyses all data for loan requests.

Recommends loan structure and terms to Loan Officers.

Contacts customers for additional information and clarification of data.

Analyzes borrower's financial position by interpreting and evaluating financial statements, tax returns, and/or projections.

Performs cash flow, trend, and ratio analysis.

Analyzes rent rolls, A/R aging, leases, appraisal, environmental, and/or title reports.

Identify weaknesses in loans and Assign/recommends the appropriate loan risk rating grades according to the Bank's Loan Policy.

Ensures that sources of repayment are sound and well documented.

Conducts loan related industry and market research.

Prepares a comprehensive credit memorandums and provides opinions and recommendations regarding proposed loans and potential risks.

Monitors borrowers' financial stability by analyzing financial statements and collateral.

Reviews loan documents for accuracy, completeness, and adherence to credit memorandum covenants and conditions.

Prepares interim and annual reviews of CRE, construction and C&I loans as appropriate

Prepares quarterly Loan Review reports for certain credits (criticized/classified)

Reviews interim and annual financial statements, rent rolls, tax returns and other information provided by borrower and documents the review in the credit file

Assists in preparation of monthly Credit Administration reports.

Conducts analytical credit-relevant studies and industry research.

Possesses a full understanding of the Bank's credit culture, Loan Policy, and current economic and industry trends.

Contribute to development of new policies, procedures, and methodologies.

Performs other duties as assigned.



An EOE Employer, Including Disability/vets


To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


Undergraduate from four-year college or university in Accounting, Finance or related field is preferred. A minimum of 5 - 7 years of experience in commercial lending and/or commercial credit underwriting or equivalent experience. Good customer service and interpersonal skills. Excellent analytical and strong MS Office skills. Understanding of the theories o f credit underwriting and loan structuring. Thorough knowledge of banking laws and regulations. Experience spreading and analyzing individual tax returns and financial statements is strongly preferred.


REQ NUMBER: CRE-21-00001

LOCATION: San Francisco Area

ABOUT THE ORGANIZATION: As a trusted neighborhood bank, Sterling Bank & Trust provides a comprehensive choice of banking solutions, innovative loan products and outstanding personal service to individuals, professionals, businesses and commercial customers. We're known for highly competitive deposit rates, expertise in mortgage lending and keeping deposits at work in the local community. Our customers know that they can stop by any branch and be treated like family. Since the Bank was founded in 1984, our customers have trusted us to help them handle their banking and financial needs.

We have neighborhood branches in San Francisco and the Bay area. We have expanded on the West Coast into Los Angeles, and Seattle, where we have a loan production office.

In 2017, Sterling Bank & Trust expanded to New York with its division, SBT Advantage Bank. SBT Advantage Bank offers the same great banking solutions, innovative loan products, and outstanding service that has made Sterling Bank & Trust a success. SBT Advantage has opened loan production offices in Manhattan and Flushing with additional locations coming soon.

We continue to grow our bank to better serve our customers and the communities we serve across the country. The bank has over $3 billion in assets.

EOE STATEMENT: We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.


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