About Careertakes

👉 Important disclosure: Careertakes is a third-party recruiting platform supporting this hiring process. If selected, you will be employed directly by our client, Accounting & Finance.

Applicants for this role may also receive access to additional matched opportunities through the Careertakes platform.

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Role Overview

This entry-level Credit Analyst role is part of a Commercial Banking Development Program focused on industry verticals (Life Science Banking). You will perform financial spreads, credit analysis, and prepare credit packages and reports that support lending decisions. This is a full-time position based in San Diego, CA.

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What You’ll Do

• Support the Credit Administration team by collecting, organizing, and maintaining financial information for existing and prospective clients.
• Prepare financial spreads and conduct quantitative and qualitative analyses to assess credit risk.
• Perform sensitivity and scenario analyses to evaluate borrowers under different assumptions.
• Produce credit studies, loan packages, and department reports used by loan officers and senior credit leadership.
• Collaborate with cross-functional teams to support treasury management, foreign exchange, derivatives, and legal documentation when required.
• Coordinate with third parties (auditors, appraisers) and monitor loan disbursements for compliance with lending terms and internal policies.
• Communicate with clients to resolve compliance or documentation issues.

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Qualifications

• Bachelor’s degree (or equivalent experience) required; completion of at least one accounting course preferred.
• Minimum GPA: 3.0 (as stated by client).
• Strong analytical and conceptual skills; ability to interpret financial statements and credit metrics.
• Effective written and verbal communication skills appropriate for an entry-level role.
• Self-motivated, organized, and able to manage multiple tasks with limited supervision.
• Interest in a career in Commercial Banking and credit analysis.

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Compensation & Benefits

• Hourly pay for new hires: $33.40 per hour (San Diego, CA). Role may be eligible for annual bonus/incentives subject to client policies.
• Benefits include medical and dental insurance, 401(k) matching, tuition assistance, paid time off, volunteer and wellness programs, and professional development opportunities.

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About the Client

This opportunity is with a Confidential Client operating in the Accounting & Finance industry. The client serves commercial customers and supports growth through targeted industry banking programs. As part of the development program, you will gain hands-on exposure to credit structuring, portfolio analysis, and commercial lending operations.

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What We Value

• Integrity and professionalism in client interactions.
• Curiosity and a desire to learn commercial credit underwriting.
• Team orientation and clear communication.
• Attention to detail and adherence to compliance standards.

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Equal Opportunity & Hiring Transparency

Careertakes and our client are Equal Opportunity Employers committed to building a diverse and inclusive workforce. We prohibit discrimination or harassment of any kind. To support a fair and efficient hiring process, AI tools may be used to assist with application review or resume screening. These tools do not replace human decision-making. Final hiring decisions are made by people.

If you have questions about how your data is used, please contact us directly.