• Junior Credit Analyst

    Job Locations US-CA-San Diego
    Job ID
    Job Type
    Regular Full-Time
    Credit & Portfolio Management
  • Description:

    BofI Federal Bank is one of the fastest growing banks in the nation. We are publicly traded (NASDAQ: BOFI), FDIC insured, Equal Housing Lender.


    We rely on our employees’ collaborative creativity, intelligence, curiosity and innovation. We’re tech-savvy problem-solvers who are competitive and hungry for success.


    The Junior Credit Analyst is an entry-level position within the Bank's Credit department. The Junior Credit Analyst provides broad support to Credit and is exposed to several areas of Credit through a Credit Training Program. There are a number of different groups within Credit in which an analyst may be placed. For this reason, specific day-to-day tasks will vary.


    Job Responsibilities:

    • Perform basic credit analysis – may include writing loan reviews, analyzing operating statements, recommending risk ratings
    • Monitor loan performance – may include assessment of payment trends, covenant compliance, tax/insurance payments, collateral analysis and review
    • Request, input, and analyze borrower financial statements
    • Provide support in ensuring applicable credit policies, procedures, and process maps are accurate and updated appropriately
    • Assist during internal and external audits, as needed
    • Serve as project support and project lead on various strategic, operational, and/or credit related initiatives
    • Complete all requirements of Credit Training Program and demonstrate thorough understanding of all key concepts
    • Become knowledgeable in key concepts including banking, regulatory requirements, lending products, credit, and bank tools

    Key Skill Sets or Knowledge Requirements:

    • Ability to manage multiple and/or shifting priorities, and produce professional and accurate work, under time constraints
    • Excellent oral and written communication skills
    • Strong interpersonal skills with ability to work across all levels of management
    • Advanced computer skills including all Microsoft Office systems
    • Highly-motivated, with a strong work ethic and the ability to work both independently and in a group environment


    Desired Career Experience & Education Requirements:

    • Bachelor's Degree
    • Ability to work flexible hours, occasionally on short-notice



    • Accounting Coursework


    Job Functions and Work Environment:


    While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.


    The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.



    Equal Employment Opportunity:


    BofI Federal Bank is an equal opportunity employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state and local laws.


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