Title: Senior Credit Analyst | Commercial Banking Location: San Diego County, CA A growing commercial bank is seeking a Senior Credit Analyst to support an expanding commercial lending team in San Diego County. This position offers the opportunity to work on a diverse portfolio of commercial banking relationships while partnering closely with experienced lenders and credit professionals. The successful candidate will play a key role in evaluating credit opportunities, analyzing borrower financial performance, identifying risk factors, and supporting sound lending decisions. The ideal candidate will possess strong analytical skills, a solid understanding of commercial credit, and a desire to continue developing within a relationship-focused commercial banking environment. Responsibilities: • Analyze commercial loan requests and prepare written credit presentations • Spread and analyze financial statements, tax returns, and cash flow information • Evaluate borrower repayment capacity, collateral, and overall credit risk • Assist with annual reviews, renewals, modifications, and portfolio monitoring • Work closely with Relationship Managers and Credit Officers to support lending decisions • Monitor covenant compliance and portfolio performance • Ensure credit files and underwriting documentation meet regulatory and internal requirements • Participate in ongoing portfolio management and risk assessment activities Qualifications: • Commercial credit analysis or underwriting experience within a bank or credit union • Strong financial statement and cash flow analysis skills • Knowledge of commercial real estate and commercial & industrial lending • Ability to prepare clear and concise written credit presentations • Strong organizational skills and attention to detail • Bachelor’s degree in Finance, Accounting, Economics, Business, or related field preferred This opportunity is ideal for Credit Analysts, Senior Credit Analysts, Underwriters, or emerging Portfolio Managers seeking exposure to a broad range of commercial lending relationships within a collaborative banking environment. The organization offers a team-oriented culture, strong credit discipline, and opportunities for continued professional growth within commercial banking. Compensation: $75,000 – $110,000 base salary. Title and compensation may be adjusted based on experience.