About the Role:

We are looking for a Credit Officer with experience in the banking industry, specifically in commercial lending, to review and analyze loan applications, assess credit risk, and help make informed credit decisions. This role is essential to support the bank’s lending activities while maintaining a healthy credit portfolio.


Key Responsibilities:

Credit Assessment:
Review commercial loan applications and financial documents.
Analyze creditworthiness and assess repayment capacity.
Prepare credit recommendations based on financial analysis and bank policies.
Communicate with clients to clarify or request additional information.
Recommend appropriate loan structures.

Credit Decision Support:
Make recommendations (approve, counteroffer, deny) to the credit committee.
Ensure all credit decisions comply with internal
policies and regulations.
Maintain accurate and complete credit files.

Portfolio Monitoring:
Monitor loan performance and identify early warning signs.
Conduct periodic financial reviews of existing clients.
Support loan restructurings when needed.

Risk Management:
Ensure compliance with internal policies and regulatory standards.
Stay informed on market trends and credit-related regulations.
Assist with collection efforts when necessary.


Requirements:
Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
Minimum 5 years of experience in commercial credit analysis within a bank.
Strong knowledge of financial statements, ratios, and credit structures.
Experience with middle market and small business lending.
Excellent communication skills in both English and Spanish.


Benefits:
Base Salary: $80,000 – $90,000, negotiable
Health Insurance (MCS): 80% coverage across all plan levels
Retirement Plan: 1:1 match up to 4% – 100% vested from day one
Life Insurance: Equivalent to 2x annual salary (Universal Insurance)
Accidental Death & Dismemberment Insurance (Universal Insurance)
Short & Long-Term Disability Insurance (Universal Insurance)
PTO Policy: Non-Tracking Honor System (up to 20 days)

EEO/AA Employer/Vet/Disabled.

The Know Your Rights poster is available here:
https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12.pdf

The pay transparency policy is available here:
https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf

For temporary assignments lasting 13 weeks or longer, the Company is pleased to offer major medical, dental, vision, 401k and any statutory sick pay where required.

We are committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation for any part of the employment process, please contact your staffing representative who will reach out to our HR team.

AppleOne participates in the E-Verify program in certain locations as required by law. Learn more about the E-Verify program.
https://e-verify.uscis.gov/web/media/resourcesContents/E-Verify_Participation_Poster_ES.pdf

We also consider qualified applicants regardless of criminal histories, consistent with legal requirements. Pursuant to applicable state and municipal Fair Chance Laws and Ordinances, we will consider for employment-qualified applicants with arrest and conviction records. For Los Angeles, CA applicants: Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act.