Credit Analyst

Credit Analyst

A career path for recent college graduates.

Love digging into the core of a diverse array of businesses to understand how they make a profit and expand? Love spreadsheets and financial statements? So do we!

If you're looking for a solid foundation in credit with a major upward trajectory for career-building, the Credit Analyst position is your perfect starting point. Learn from seasoned veterans and longtime lenders who love to mentor new talent!

Become part of the team that helped saved over 50,000 jobs during the pandemic!

Begin your career with a solid foundation working for one of the top financial institutions in the region, state and nation. This entry-level commercial lending position is ideal for individuals with a college degree in business administration or economics, and/or prior banking experience.

A Lifestyle that Doesn't Suck

Stroll to the beach for your noon surf lesson, at lunch time, or just work on your tan! Take a walk in the redwoods, mountain bike, or get caffeinated (again) at one of a zillion artisanal java purveyors!

A Day in the Life

Benefit from in-depth training from experienced professionals in accounting, finance, and regulatory compliance. Take a deep dive into bank-specific products and policies. Build firsthand knowledge about the credit cycle, from application to approval.

Our Credit Analysts are a critical part of the lending process which ultimately makes a powerful economic impact – reinvesting the Bank’s deposits back into the communities we serve. The Bank’s Credit Analysts played a huge role in securing funds for small businesses to retain over 50,000 jobs during the pandemic – a meaningful impact!

The Credit Analyst spreads financial statements, prepares the written business case for loan requests (which includes the business’ history, well-researched industry information and exposure to economic impacts/cycles), and prepares detailed credit authorizations for the Bank’s commercial loan requests. Financial analysis includes ratio and trend analysis as well as the creation of projections and detailed analysis of cash flows.

Where do you see yourself in 2-5 years?

The Credit Analyst position has proven upward career trajectory.
We have many proven success stories from talented employees who started at the Credit Analyst I position! The Credit Analyst I is expected to graduate to the Credit Analyst II position within 1-2 years, even faster if you’re a rock star. Typically the career path following Credit Analyst II is often one of the following positions:

Relationship Manager
These team members manage loan portfolios and are on the front line of the client experience for borrowers. They generate loans through sales efforts, and from developing established long-term relationships. They also manage the renewal process for existing loans. Advance to this position and you will use your newfound credit skills to create customized solutions to assist clients in reaching their business goals.

Senior Underwriter
These team members use their newfound credit skills to analyze and structure the largest and most complex credits that come our way. Senior Underwriters are an extremely valued resource, as the (subject matter) experts on all lending related topics, often having specific industry and/or loan type expertise.

If these priorities check the boxes for you, then chances are we’re a match:
✔ Make a community impact.
✔ Learn from top level executives.
✔ Work for top a performing financial institution.
✔ Work on your tan or surf lessons on your lunch hour.

When You Work For Us, You Make a Meaningful Impact

Join us in making a difference in the communities we serve. We are hands-on when it comes to community engagement and the community loves us back.

We've been voted "Best Bank" 10 consecutive years, have been awarded numerous community leadership awards, and give over 500+ hours of community volunteer service every year.

Equal Opportunity Employer
Santa Cruz County Bank is an equal opportunity employer; all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or to their protected veteran status, and will not be discriminated against on the basis of disability.