Commercial Credit Analyst

Position Summary The Commercial Credit Analyst is responsible for analysis of financial information and legal entity documentation for the origination and renewal of small business loans processed through the bank’s small business credit scoring model, while presenting conclusions documented via high level loan credit memoranda. The Commercial Credit Analyst is a positive, motivated team player who works both individually and as part of a high performing team to assist in achieving the Commercial Lending Department’s objectives; on-time loan delivery, loan monitoring, and servicing internal and external customers with a high level of accuracy and service.

Why Fremont Bank?

Founded in 1964, Fremont Bank is one of the oldest independently owned banks in the Bay Area and has been consistently recognized as a Top Workplace for the past 15 consecutive years. Our foundation is built on relationships — with our clients, our associates, and our communities.

We offer:

A people-first culture grounded in inclusion and excellence

Deep community involvement and local reinvestment

A mission-driven workplace where values and performance go hand in hand

The Fremont Bank Way

Full-Service Banking with comprehensive financial solutions, advanced technology, and exceptional service

No-Compromise Approach — we help clients get to "yes"

Core Values:

Go above and beyond for clients

Foster a supportive and empowering environment for associates

Deeply invest in the well-being of our local community

Key Responsibilities

Run and Analyze Personal Credit Reports

Spread Tax Returns and Business Financial Statements

Analyze Personal Financial Statements

Collection and control of financial information and legal/entity documentation to complete loan packages for the origination, handling communication with internal business partners and third parties

Review and understand borrower credit, including credit report, personal and business financial statements, personal and business tax returns, and schedule of real estate owned

Assist in monitoring key performance indicators for portfolio loans through annual loan reviews

Process commercial credit card applications

Work closely with retail branches and private bankers to establish banking relationships with new business clients as well as develop growth within existing client relationships.

Understand and adhere to Bank credit policy, current bank underwriting guidelines, and current credit appetite

Participate as a proactive member of the credit administration team, from the start of a loan through to closing

Special projects as requested from management

Perform other duties and responsibilities as assigned.

Qualifications & Skills

Some college level work in Business/Finance/Accounting

Minimum of two years previous banking experience in administrative/analytical support

Strong verbal and written communication skills, including presenting at meetings

Preferred to have understanding of Global Cash Flow and Business Cash Flow

Preferred to have experience with business financial statements and spreading software

Ability to deliver excellent service to teammates, sales staff, and customers

Ability to work in a fast-paced environment while delivering accurate and quality work product

Physical Requirements

The physical requirements described below are representative of those that must be met to successfully perform the essential functions of this position, with or without reasonable accommodation.

Ability to remain in a stationary position for extended periods (e.g., sitting or standing).

Frequent use of a computer and other office equipment.

Ability to communicate effectively with colleagues and customers.

Occasionally move or lift items up to 10 pounds.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the position.

What Makes Fremont Bank Associates Thrive?

Team Players who go above and beyond to support their colleagues

Action-Oriented professionals who challenge the status quo and seek improvement

Purpose-Driven individuals who understand and champion the bank’s community impact

Benefits Snapshot

Health & Wellness

Medical, dental, and vision insurance

Flexible Spending Accounts (FSA, Dependent Care, Health Savings)

Financial & Retirement

Employee Stock Ownership Plan (ESOP)

401(k) with employer match

Performance-based bonuses or incentives

Work-Life & Perks

Paid holidays, vacation, and sick time

Free personal checking and savings accounts

Home loan rate discounts

Tuition reimbursement and professional development resources

On-site gym and discounted health club memberships

Employee Assistance Program (EAP)

Equal Opportunity Employer

Fremont Bank is proud to be an Equal Opportunity Employer. We are committed to creating an inclusive environment for all employees, regardless of race, color, religion, sex, gender identity, sexual orientation, national origin, age, disability, veteran status, or any other protected classification.

Salary Range

The hiring salary range is based on factors such as experience, skills, education, and internal equity. Compensation decisions are made in consideration of these factors and in alignment with Fremont Bank’s compensation philosophy.

Salary Range USD $33.65 - USD $39.00 /Hr.

Employee Stock Ownership Plan (ESOP)

The Employee Stock Ownership Plan (ESOP) is a way for Fremont Bank to contribute to the financial well-being of associates by making a contribution to their retirement account. In addition, the ESOP provides associates an opportunity to share in the growth and prosperity of Fremont Bank.

Note to Search Firms:

Fremont Bank does not accept unsolicited resumes from search firms or agencies without a signed service agreement. Unsolicited resumes will be considered the property of Fremont Bank, and no fees will be paid.