We are seeking a highly motivated and detail-oriented AVP–Credit Analyst/Underwriter to join our Commercial Lending team. Under minimal supervision, this individual will work independently to perform credit analysis, loan portfolio management, and underwriting functions, supporting small business, commercial, and commercial real estate lending. The AVP–Credit Analyst/Underwriter will exercise independent judgment in analyzing business and personal credit information for borrowers and guarantors to assess risk and support sound lending decisions. Key Responsibilities: Monitor and analyze credit risk within the loan portfolio using portfolio management software, identifying geographic and property-type concentrations and higher-risk relationships. Perform financial analysis and spread financial statements and tax returns for borrowers and guarantors. Prepare detailed credit analyses and loan authorization packages for Loan Committee review. Conduct stress testing on property types and construction projects, support annual CRE loan reviews, and monitor covenants and ticklers. Review credit reports, appraisals, and leases to identify potential risks, and collaborate with Senior Loan Underwriters and Loan Officers to resolve issues and obtain necessary documentation. Participate in annual CRA volunteer service (minimum 10 hours) and perform additional duties as assigned. This position has no supervisory responsibilities. Must have 3–5 years of commercial banking experience and a bachelor’s degree or equivalent experience (Preferred). Strong analytical and problem-solving skills are essential, along with excellent written and verbal communication abilities. Proficiency in Excel and spreadsheet software is required, as well as the ability to multitask effectively in a fast-paced, full-time office environment. Position is 100% onsite.


Equal Opportunity Employer / Disabled / Protected Veterans

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https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12.pdf

The pay transparency policy is available here:
https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf

For temporary assignments lasting 13 weeks or longer, AppleOne is pleased to offer major medical, dental, vision, 401k and any statutory sick pay where required.

We are committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation for any part of the employment process, please contact your staffing representative who will reach out to our HR team.

AppleOne participates in the E-Verify program in certain locations as required by law. Learn more about the E-Verify program.
https://e-verify.uscis.gov/web/media/resourcesContents/E-Verify_Participation_Poster_ES.pdf

We also consider for employment qualified applicants regardless of criminal histories, consistent with legal requirements, including, if applicable, the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. Pursuant to applicable state and municipal Fair Chance Laws and Ordinances, we will consider for employment-qualified applicants with arrest and conviction records, including, if applicable, the San Francisco Fair Chance Ordinance. For Los Angeles, CA applicants: Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act.