Member Credit Analyst, Sr. Assoc.

Job Description

The Federal Home Loan Bank of San Francisco (the "Bank") is a cooperative, wholesale bank that provides liquidity to its members and helps meet community credit needs by providing credit products and services to member financial institutions through all phases of the economic cycle. The Bank's members include large and regional commercial banks, community banks, credit unions, industrial loan companies, savings institutions, insurance companies, and community development financial institutions headquartered in Arizona, California, and Nevada. The Bank is member-focused; embraces accountability to meet commitments and upholds our governance, risk and control standards as a government sponsored enterprise; and values differences to foster an inclusive culture.

Position

The Senior Associate of Member Credit will be the primary rating and research analyst to underwrite and monitor credit facilities provided to a portfolio of depository financial institutions. Additional responsibilities include support for strategic credit initiatives to enhance underwriting practices and streamlining credit processes. The credit analyst will be conducting comprehensive credit underwriting and member due diligence processes to evaluate credit worthiness, risk profile and asset quality for the provision of credit lines to members-obligors (borrowers). The successful candidate will support a practice to increase engagement with member-obligors and implement an enhanced credit underwriting framework to mitigate risk and adhere to regulatory guidelines to establish safe and sound lending practices to achieve the Bank's missions.

Major Accountabilities

Credit analysis, credit originations and underwriting

• Perform ongoing member credit analysis, including full scope credit reviews, employing quantitative and qualitative analysis of an institution's business strategy, financial condition, and exposure to economic / market conditions in accordance with the Bank's review frequency policy.
• Underwrite applications for new Bank membership in compliance with the Federal Housing Finance Agency's Membership Approval regulations and the Bank's policies and procedures

Identify key factors that affect internal credit ratings and changes to credit exposure appetite by :

Credit Monitoring

Skills / Knowledge

Salary Range : $105K - $130K

The Federal Home Loan Bank of San Francisco is committed to the principles of equal opportunity in employment (e.g., employees, applicants) and in contracting (e.g., suppliers, vendors) regardless of race, color, religion, sex, national origin, disability status, genetic information, age, sexual orientation, gender identity, status as a parent, or any other characteristic protected by law. We are committed to cultivating a workplace free of unlawful discrimination, harassment, and retaliation, and are dedicated to fostering vibrant communities by serving as a reliable source of liquidity and resources for affordable housing and economic development.

Salary ranges reflect the base salary that the Bank reasonably expects to pay for a given role and is not inclusive of annual incentive award opportunities, retirement benefits or the value of other health and welfare or other ancillary benefits. We consider many factors when determining base salaries such as individual background and experience, the competitive environment, education, particular skill set(s), and industry and institutional knowledge.

The Bank is committed to offering all team members challenging and engaging work with market competitive pay, retirement, and benefit offerings. In support of this commitment, the Bank routinely engages in market competitive benchmarking surveys and analysis to ensure our team members continue to be paid fairly and competitively.

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