Junior Credit Analyst

Location: Irvine, CA
Job Type: Full-Time | Non-Exempt | Hybrid Eligible
Salary Range: $20 – $24/hour

About Commercial Bank of California

Commercial Bank of California (CBC) is the largest Latino-owned bank in California and a certified Minority Depository Institution (MDI). Headquartered in Irvine and founded in 2003, CBC is one of the largest privately held banks in the state, with over $3.5 billion in assets as of December 2025.

We are a purpose-driven financial institution committed to building long-term relationships and delivering innovative, personalized banking solutions. Our leadership reflects the diverse communities we serve, and our mission is rooted in empowering entrepreneurs, business owners, and community leaders to thrive.

As a certified MDI, CBC is proud to play a vital role in advancing financial inclusion and economic opportunity. We believe in a higher vision for banking—one that prioritizes trust, collaboration, and community impact. Join us and be part of a team that’s redefining what it means to be a community-focused, relationship-driven bank that puts people over profits. 

Job Summary

We are seeking a detail-oriented and motivated Junior Credit Analyst to join our Credit Department. This role is ideal for individuals looking to grow their career in commercial banking and credit analysis. The Junior Credit Analyst will support the underwriting and portfolio management process by conducting credit investigations, preparing financial analyses, and ensuring compliance with loan conditions.

Essential Duties and Responsibilities

1. Credit Investigation and Analysis:             
   • Conducts in-depth credit investigation, evaluation and analysis of credit worthiness of commercial and consumer loan customers.
   • Investigates credit history of customers by ordering credit reports from Experian, Dun & Bradstreet, Data Quick, and other references
   • Prepares financial spreads.
   • Assists in Preparation of Preflight and Credit Presentations.                                                               
   • Evaluates information and completes credit write-ups for renewals and new loans, as requested and identified by lending officers.

1. Establish and Maintain Credit Files:
   • Ensures that customer credit information, such as loan application, financial statements, tax information, credit history from TRW, Dun & Bradstreet and other trade references, deposit account information letters are incorporated in the file and is up-to-date.
   • Ensures that follow-up customer is obtained in a timely manner.
   • Ensures financial statements are current and in accordance with loan agreements.

1. Follows existing credit line relationships to insure compliance with loan conditions.
   • Reviews maturing loan report and coordinates with Account Officer in the notification of customer for credit renewals.
   • Assist the Senior Underwriters and Relationship Managers in preparation for compliance and safety and soundness exams.
   • Prepares and send out renewal notification letters to customers, signed by Loan Officers requesting updated credit information and financial statements, as necessary.
   • Ensures that all loan covenants are adhered to and that all required customer information is obtained in a timely manner. Notify account office and Loan Administration of any covenant violations.
   • Evaluate loans for changes in risk and make recommendations on any risk rating changes.
   • Assist Asset Based Credit Analyst to insure collateral reviews (i.e. audits and monthly borrowing certificates) are performed on a timely basis.

1. Performs other duties, as assigned.                           
   • Works with and coordinates with other Credit Analysts on special projects.
   • Organize loan files for storage and retrieval of electronic copies. Manage Ticklers
   • Coordinate with the Note Department to request loan documents and assist Senior Underwriters and Relationship Managers in loan closings.
   • Participate in various training meetings as necessary.  Assist Senior Underwriters and Relationship Managers in educating other loan staff in compliance and safety and soundness topics. 

Minimum Qualifications

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position.  The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner.  Individual abilities may result in some deviation from these guidelines.

• Preferred: concurrent enrollment in Business/Accounting/Economics or equivalent experience.
• Preferred: strong financial or accounting background, education, or experience.                                 
• Strong analytical, organizational, negotiation, interpersonal and communication skills; positive attitude with team-player approach.
• Demonstrated ability to prioritize work assignments; detail oriented with flexibility in dealing with a changing work environment, customer service oriented and a strong sense of urgency.
• Computer literate in Windows, Word, Excel software.

Benefits & Perks

• Competitive employer contribution to medical, dental and vision coverage
• 401k plan with employer match
• Flexible Spending Accounts (FSA) and Dependent Care Accounts
• Employee Assistance Program (EAP)
• Employer provided Calm subscription 
• Employer provided mental health benefits through Teladoc
• Life, AD&D and disability insurance
• Minimum 15 Days of Vacation, 11 Paid Federal Holidays, Paid Time off to Volunteer
• Online discount program
• Tuition Reimbursement Program

Join Our Team!

Equal Employment Opportunity & Accommodations

Commercial Bank of California is proud to be an Equal Employment Opportunity employer. We are committed to creating an inclusive environment for all employees and applicants. All qualified individuals will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, protected veteran status, or any other legally protected characteristic.

We evaluate applicants fairly and equitably, including those with criminal histories, in accordance with applicable federal, state, and local laws.

Commercial Bank of California is also committed to providing reasonable accommodations to individuals with disabilities. If you require a reasonable accommodation during the application or interview process, please contact us at hr@cbcal.com with the nature of your request and your contact information.

Recruitment Policy

Commercial Bank of California does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to CBC, either directly or indirectly, will be considered the property of Commercial Bank of California. 

We will not pay a fee for any placement resulting from the receipt of an unsolicited resume. To submit candidates for consideration, recruiting agencies must have a valid, written, and fully executed agreement with Commercial Bank of California. Without such an agreement in place, no agency submissions will be accepted or compensated.