Credit Analyst 2 - Los Angeles (Hybrid)

As a Credit Analyst 2 at SMBC Manubank, you will evaluate financial risk by performing in-depth analyses of financial statements and credit reports. Your primary responsibilities include spreading financial statements using industry-standard software, assessing customer creditworthiness, and analyzing liquidity and management quality. Additionally, you'll play a vital role in maintaining credit files for compliance purposes, assisting Credit Officers with new and renewal loans, and monitoring reporting covenants.

To apply for the Credit Analyst 2 position at SMBC Manubank, you should hold a Bachelor’s degree or equivalent. Additionally, a minimum of two years of experience in Credit Analysis or a related field is required. Proficiency in financial and mathematical concepts is essential, along with experience using computer applications, especially Excel and Word. Familiarity with CreditLens or similar financial software is a plus.

A successful Credit Analyst 2 at SMBC Manubank requires strong analytical skills, attention to detail, and a proficient understanding of financial analysis. You should be adept at using financial software to assess creditworthiness and influence lending decisions. Strong communication and interpersonal skills will allow you to work effectively with team members and clients alike. Being organized and detail-oriented is critical to maintain compliance with credit file regulations.

At SMBC Manubank, we are dedicated to your professional development and career growth as a Credit Analyst. We provide ongoing training, mentorship from seasoned bankers, and opportunities to take on new responsibilities. Additionally, you'll have access to resources that foster both personal and professional growth, helping you advance in your career while contributing to our mission to support California's businesses.

As a Credit Analyst 2 at SMBC Manubank, you'll enjoy a collaborative and supportive work environment in Los Angeles. Our hybrid work model allows for both in-office and remote work, ensuring flexibility while still fostering teamwork. We emphasize a culture of respect and inclusion, encouraging each team member to contribute their unique perspectives and skills toward our shared goals.

To analyze a company's financial statements, I start by reviewing the income statement to understand profitability trends and revenue streams. I then examine the balance sheet for insights into the company's assets, liabilities, and equity. Following this, I assess liquidity ratios (like current and quick ratios) and profitability ratios (like ROI and ROE) to gauge financial health. I summarize my findings in a way that allows stakeholders to see the company's financial positioning clearly.

I have experience using various financial analysis software, including CreditLens and Baker Hill, which help streamline the process of financial evaluation. These tools enable me to efficiently spread financial statements and assess creditworthiness, which is essential for informed decision-making in lending.

I stay current on industry trends by subscribing to financial news outlets, attending webinars, and participating in professional organizations. I also follow relevant online forums and communities where credit analysts share insights and effective practices, ensuring that I am well-informed about changes in regulations and best practices in our industry.

To ensure compliance in credit analysis, I maintain meticulous credit files that adhere to regulatory standards. This includes keeping updated financial risks assessments and documentation for all credit evaluations. Additionally, I prepare for audits by ensuring that all necessary information is readily accessible and that our policies are adhered to during the analysis process.

In a challenging credit analysis case, I assessed a company showing signs of financial distress. After reviewing their financials, I realized that identifying underlying causes was crucial. I learned to look not only at the data but to investigate beyond the numbers. This experience underscored the importance of comprehensive analysis, which includes understanding market conditions and management quality.

When communicating credit decisions to stakeholders, I prioritize clarity and conciseness. I present my analysis and rationale in a structured format, ensuring they understand the key metrics and considerations behind the decision. I also welcome questions and discussions to address concerns and ensure alignment with business goals.

To prioritize multiple projects, I assess deadlines, the complexity of the analyses, and potential impacts on our lending portfolio. I use tools like task lists and project management software to stay organized. Regular check-ins with my team also help ensure we align priorities and tackle high-impact analyses first.

Key qualities for a successful credit analyst include strong analytical skills, attention to detail, effective communication abilities, and integrity. A proficient analyst must also be adaptable, as financial conditions can change rapidly, requiring flexible assessments and strategies.

In handling a disagreement, I would approach the conversation with an open mind, aiming to understand my colleague's perspective. It’s essential to present data and rationale behind my analysis while being willing to consider other viewpoints. Collaborating on a compromise, if necessary, is vital to ensure we align our evaluations to benefit the organization.

I am eager to work as a Credit Analyst 2 at SMBC Manubank because of your commitment to supporting California's middle-market businesses. I admire your focus on building long-term relationships and delivering personalized service. I believe that my analytical expertise aligns well with your needs, and I am excited about the opportunity to contribute to your mission and grow within a company that prioritizes employee development.