Credit Analyst Trainee

  • ClassificationLoan Officer/Originator
  • Salary
  • Work typeFull-time
  • LocationCalifornia
  • Posted on19 Jul 2016
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Credit Analyst Trainee-MLO (Job Number:032833) 

hours per week: 40 



 Conducts credit investigations and analyzes credit information pertaining to loans Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches. Analyzes financial statements and related material. Analyzes financial conditions and trends. Reviews and reports non-compliance with loan covenants. Determines cash flow using appropriate tax analysis. Prepares summaries, presents facts, and offers opinions concerning credit-worthiness. Provides credit information and references for customers, loan officers, or other agencies as requested. May provide rates and loan information to clients. Ensures that all credit files include proper documentation including current financial statements, agency reports, etc. Maintains control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed. Writes credit memorandums. Accompanies lenders on business calls. Conducts industry research. Assists with special projects as assigned.




 Requires a Bachelor's and 6+ months business experience credit analysis experience, lending/credit procedures and processes or othter directly related experience. A combination of education and experience may meet requirements. Basic knowledge of financial statements and general analysis gained through college coursework. Limited use and/or application of basic credit concepts. Ability to work with lending officers and staff. Good communication skills, both verbal and written. Ability to make sound decisions regarding loans. Good PC skill required. 

This position requires Federal Registration with the National Mortgage Licensing System (NMLS), in accordance with the SAFE Act. 

Work Locations

 California-San Francisco-SF - San Francisco


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