Job summary
Job post source
This job is directly from Citizens Business Bank
Job overview
The Credit Officer III at Citizens Business Bank is responsible for conducting complex credit analyses and preparing clear credit reports to support lending decisions, impacting the bank's credit risk management.
Responsibilities and impact
The role involves reviewing credit requests, analyzing financial statements and tax returns, preparing credit reports, collaborating with bank personnel, and assisting junior credit officers in developing credit analysis skills.
Compensation and benefits
The position offers an annual salary range of $104,061 to $150,888, eligibility for an annual bonus, and includes standard benefits with reasonable accommodations for disabilities.
Experience and skills
Candidates must have a bachelor's degree and at least ten years of related experience or equivalent education and experience; a master's degree is preferred. Strong skills in financial analysis, report writing, and reasoning are required.
Career development
The role includes opportunities to assist and train junior credit officers, enhancing leadership and credit analysis expertise within the bank.
Work environment and culture
The work environment is moderate in noise level, office-based with reasonable accommodations for disabilities, emphasizing compliance and customer service.
Company information
Citizens Business Bank is a financial institution focused on providing banking services with an emphasis on credit risk management and customer experience.
Team overview
The Credit Officer III works within the credit management division, collaborating with branch personnel and credit management teams, with no direct supervisory responsibilities.
Job location and travel
The job is office-based with a standard 40-hour workweek; specific location details are not provided.
Unique job features
This role involves handling the most complex credit requests and offers the chance to mentor junior staff, distinguishing it from more junior credit positions.
Company overview
Citizens Business Bank is a regional bank headquartered in Ontario, California, specializing in providing a range of financial services to small and medium-sized businesses, as well as individuals. They generate revenue through traditional banking services such as loans, deposits, and treasury management, alongside wealth management and trust services. Founded in 1974, the bank has grown significantly, expanding its footprint across California with a focus on personalized customer service and community involvement. Key historical milestones include its IPO in 1997 and consistent recognition for financial stability and performance.
How to land this job
Tailor your resume to emphasize your expertise in credit analysis, specifically highlighting your ability to analyze financial statements, tax returns, and cash flow for both businesses and individuals, as this is central to the Credit Officer III role at Citizens Business Bank.
Showcase your experience in preparing clear, concise credit reports (Report of Credit Extended - RCE) and your capacity to handle complex credit requests, as well as any experience training or mentoring junior credit officers, which aligns with the job responsibilities.
Apply through multiple platforms such as the Citizens Business Bank corporate careers page and LinkedIn to increase your chances of being noticed by recruiters and hiring managers.
Leverage LinkedIn to connect with current employees in the Credit Management Division or lending departments at Citizens Business Bank. Start conversations with ice breakers like commenting on recent bank initiatives, asking about their experience with complex credit requests, or expressing your enthusiasm for the bank’s customer service philosophy, 'The Citizens Experience.'
Optimize your resume for ATS by incorporating keywords from the job description such as 'credit analysis,' 'financial statement analysis,' 'Report of Credit Extended,' 'cash flow analysis,' 'training junior officers,' and 'compliance with lending policies' to ensure your resume passes initial screenings.
Use Jennie Johnson's Power Apply feature to automate the tailored application process, submit through multiple channels, and identify LinkedIn connections for networking, allowing you to focus more on preparing for interviews and refining your skills.
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