Credit Analyst Credit Analyst …

CIT Group
à San Diego, CA, États-Unis
CDI, Plein-temps
Soyez parmi les premiers à postuler
CIT Group
à San Diego, CA, États-Unis
CDI, Plein-temps
Soyez parmi les premiers à postuler
Credit Analyst
> Please Enable Cookies to Continue Please enable cookies in your browser to experience all the personalized features of this site, including the ability to apply for a job. Returning Candidate? SBA Credit Analyst Location US-CA-San Diego Job ID 33102 # Positions 1 Job Family Originations Support - Underwriting Type Full-Time Overview

CIT is a leading national bank focused on empowering businesses and personal savers with the financial agility to navigate their goals. CIT Group Inc. (NYSE: CIT) is a financial holding company with over a century of experience and operates a principal bank subsidiary, CIT Bank, N.A. (Member FDIC, Equal Housing Lender). The company's commercial banking segment includes commercial financing, community association banking, middle market banking, equipment and vendor financing, factoring, railcar financing, treasury and payments services, and capital markets and asset management. CIT's consumer banking segment includes a national direct bank and regional branch network. Discover more at .


The SBA Credit Analyst performs duties related to the credit review of manually underwritten SBA 504 & 7a loans, as well as Conventional CRE loans.

Refers to documented policies and procedures to guide and support the review and decision making process.
Seeks the advice of senior team members on more complex and questionable issues that are outside of the assigned scope.
Performs basic research together with financial and statistical analysis to determine and support the applicants credit worthiness.
Prepares analysis, reports and presentations for review and approval.
Ensures all transactions and processing are in compliance with regulatory and CIT Bank guidelines, policies and procedures.
Spreads financial statements, tax returns and related information on borrower, guarantor and any affiliates to excel spreadsheets and/or software programs for analysis.
Reviews any spreads prepared by Referral Partner for accuracy to ensure all entries are correct and complete, all existing debt is included, and that initial DSCR is adequate to support the proposed debt.
If the request is not clearly within CIT SBA Lending credit guidelines or if there are issues that might cause the loan to be declined, discusses the loan request with the Underwriter to determine if a preflight with credit is necessary.
Reviews the information received to date and completes a Loan Checklist to determine what additional information is needed to submit the request to credit and works with the Referral Partner or Borrower to obtain that information.
Prepares updated Checklists as required and as information is received, reviews and saves it to SBA SharePoint site in a Borrowers File using the File Naming Convention.
Conducts credit investigations and prepares submission credit memo summarizing the business operation and the loan request including: use of proceeds, nature and history of the business, management experience, the source of the capital injection, justification for any addbacks to cash flow, explanation for any adverse business trends, any additional collateral to be taken, etc.
Ensures that obvious credit issues are addressed and explained.
Presents facts and offers opinions to Underwriters concerning applicants credit worthiness.
Supports Underwriter to complete package and submission credit memo to the and coordinates the receipt of any further information required
Monitors and updates SBA Pipeline as all assigned loans move through.
Demonstrates compliance with all CIT Bank regulations for assigned job function and applies to designated job responsibilities .
Knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required annual required or job-specific training. May be asked to coach, mentor, or train others and teach coursework as subject matter


Bachelors Degree in Accounting, Finance, Economics, or related field.
Two years of credit of underwriting experience at a Bank is desired
Ability to work on multiple projects simultaneously, managing time and resources to ensure

work is completed efficiently and within established timeframes.

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CIT is committed to Equal Employment Opportunity. It is CITs policy to provide equal employment opportunities to all qualified applicants without regard to their race or perceived race (including traits historically associated with race, such as hair texture and protective hairstyles), color, national origin, nationality, ancestry, citizenship, immigration status, age, sex (including pregnancy, lactation, childbirth or related medical conditions), actual or perceived gender, gender identity, gender expression or transgender (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), religion, creed, marital status, family status, domestic partnership or civil union status, affectional or sexual orientation, atypical hereditary cellular or blood trait, genetic information or predisposition or carrier status (including testing and characteristics), status as a victim of domestic violence, actual or perceived status as a caregiver, military status and service, protected veteran status, mental or physical disability, perceived disability, record of disability, medical condition, AIDS and HIV status, or any other protected characteristic established by applicable federal, state, or local laws. If you would like more information about your EEO rights as an applicant under the law, please click here:

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