Job Description
CREDIT OFFICER II CRE
Hybrid Schedule: Los Angeles, Irvine, or San Francisco, CA.
WHAT IS THE OPPORTUNITY?
Participates in the loan management process by providing loan underwriting, and portfolio management expertise to a team of Relationship Managers ("RM's") across the Bank, with focus on the Investor CRE portfolio consisting of stabilized/mini-perm loans and related products across various real estate asset classes. Analyzes loan transactions and credit worthiness of borrowers and evaluates collateral performance and market trends. Pro-actively manages the portfolio to ensure the credit quality standards of the Bank are maintained. Prepares credit write-ups, property/borrower/guarantor assessments and related due diligence during on-going management of the portfolio. Assists senior credit officers and underwriters in structuring and underwriting new transactions.
What You Will Do
• Reviews financial information; may fully document write-ups or other approval documents consistent with Bank format, policies and procedures; determines sources and uses of funds; analyzes industry data, competitive factors, historical performance, projected results, risks, and mitigating factors. Ensures write-ups or other approval documents contain a well-supported recommendation or decision; the risk rating is correct and supported; and the data and analytics used to support the decision are accurate and calculated correctly. May review loan packages and provide recommendations and/or feedback to CRE Credit Products management.
• Works with RM or contacts borrowers directly, for additional information and details related to loan requests or clarification of financial materials and resources.
• Participates in on-going portfolio management of the Investor CRE portfolio, including risk assessments, real estate asset reviews, guarantor assessments, and loan modifications. Identifies risk proactively to determine change in overall risk profile of assigned portfolio or loans.
• Authors credit approval memorandum, and as necessary, works with the RM in evaluating credit alternatives and creative ways to structure credits to ensure that transactions are within profitability and portfolio risk standards.
• Performs financial reviews of client's financial condition per Credit Policy guidelines including monitoring covenants and conditions pursuant to the loan documents. Takes a proactive approach toward resolution. Escalates potential credit issues to RM, Regional Manager and/ or Credit Manager.
• Works directly with the RM to manage deal flow.
• May attend client meetings at RM’s request.
• Completes required training. Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc).
Must-Have
• Bachelor's Degree or equivalent
• Minimum 5 years of commercial real estate credit underwriting experience required.
• Minimum 5 years of experience in a banking or financial services environment required.
Skills And Knowledge
• College degree in Business Administration or a related field and/or a minimum of five to seven years’ experience in underwriting medium sized commercial real estate loans of moderate scope and complexity which requires strong technical expertise and knowledge of commercial credit principles, financial concepts and regular use of ingenuity and creativity in solving moderately complex credit problems.
• Solutions are thorough, and require analysis, interpretation, and evaluation of financial statements, cash flow analysis, familiarity with various industries, collateral issues and values, loan structuring and guarantor personal financial statements and tax returns.
• Prepares recommendations regarding approval or denial of applications exceeding posted standards.
• Complete understanding of commercial real estate credit policies and procedures.
• Wide application of credit principles and concepts.
• Strong credit analysis and accounting skills.
• Ability to assume responsibility and accountability for decision making. with the ability to communicate skillfully and effectively in both verbal/written forms.
• Good organizational skills.
• Ability to work independently and interact effectively with all levels of Bank personnel and outside contacts.
Compensation
Starting base salary: $44.28 - $75.42 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
• To be considered for this position you must meet at least these basic qualifications The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
Benefits and Perks
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our Benefits and Perks.
About City National
City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $+2.03 billion in assets as of April 30, 2026. Founded in 1+54, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami. In addition, the company and its investment affiliates manage or administer $+6.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2026 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves.
• City National Bank does business in Miami and the state of Florida as CN Bank.
For more information about City National, visit cnb.com.
EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION
City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, ****** orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct. READ MORE
If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via email or leave a message at (213) 673-+13+. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days.
Hybrid Schedule: Los Angeles, Irvine, or San Francisco, CA.
WHAT IS THE OPPORTUNITY?
Participates in the loan management process by providing loan underwriting, and portfolio management expertise to a team of Relationship Managers ("RM's") across the Bank, with focus on the Investor CRE portfolio consisting of stabilized/mini-perm loans and related products across various real estate asset classes. Analyzes loan transactions and credit worthiness of borrowers and evaluates collateral performance and market trends. Pro-actively manages the portfolio to ensure the credit quality standards of the Bank are maintained. Prepares credit write-ups, property/borrower/guarantor assessments and related due diligence during on-going management of the portfolio. Assists senior credit officers and underwriters in structuring and underwriting new transactions.
What You Will Do
• Reviews financial information; may fully document write-ups or other approval documents consistent with Bank format, policies and procedures; determines sources and uses of funds; analyzes industry data, competitive factors, historical performance, projected results, risks, and mitigating factors. Ensures write-ups or other approval documents contain a well-supported recommendation or decision; the risk rating is correct and supported; and the data and analytics used to support the decision are accurate and calculated correctly. May review loan packages and provide recommendations and/or feedback to CRE Credit Products management.
• Works with RM or contacts borrowers directly, for additional information and details related to loan requests or clarification of financial materials and resources.
• Participates in on-going portfolio management of the Investor CRE portfolio, including risk assessments, real estate asset reviews, guarantor assessments, and loan modifications. Identifies risk proactively to determine change in overall risk profile of assigned portfolio or loans.
• Authors credit approval memorandum, and as necessary, works with the RM in evaluating credit alternatives and creative ways to structure credits to ensure that transactions are within profitability and portfolio risk standards.
• Performs financial reviews of client's financial condition per Credit Policy guidelines including monitoring covenants and conditions pursuant to the loan documents. Takes a proactive approach toward resolution. Escalates potential credit issues to RM, Regional Manager and/ or Credit Manager.
• Works directly with the RM to manage deal flow.
• May attend client meetings at RM’s request.
• Completes required training. Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc).
Must-Have
• Bachelor's Degree or equivalent
• Minimum 5 years of commercial real estate credit underwriting experience required.
• Minimum 5 years of experience in a banking or financial services environment required.
Skills And Knowledge
• College degree in Business Administration or a related field and/or a minimum of five to seven years’ experience in underwriting medium sized commercial real estate loans of moderate scope and complexity which requires strong technical expertise and knowledge of commercial credit principles, financial concepts and regular use of ingenuity and creativity in solving moderately complex credit problems.
• Solutions are thorough, and require analysis, interpretation, and evaluation of financial statements, cash flow analysis, familiarity with various industries, collateral issues and values, loan structuring and guarantor personal financial statements and tax returns.
• Prepares recommendations regarding approval or denial of applications exceeding posted standards.
• Complete understanding of commercial real estate credit policies and procedures.
• Wide application of credit principles and concepts.
• Strong credit analysis and accounting skills.
• Ability to assume responsibility and accountability for decision making. with the ability to communicate skillfully and effectively in both verbal/written forms.
• Good organizational skills.
• Ability to work independently and interact effectively with all levels of Bank personnel and outside contacts.
Compensation
Starting base salary: $44.28 - $75.42 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
• To be considered for this position you must meet at least these basic qualifications The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
Benefits and Perks
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our Benefits and Perks.
About City National
City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $+2.03 billion in assets as of April 30, 2026. Founded in 1+54, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami. In addition, the company and its investment affiliates manage or administer $+6.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2026 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves.
• City National Bank does business in Miami and the state of Florida as CN Bank.
For more information about City National, visit cnb.com.
EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION
City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, ****** orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct. READ MORE
If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via email or leave a message at (213) 673-+13+. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days.
💡 Quick Summary
Seeking a career-building opportunity? The Credit Officer II CRE position is now open for candidates interested in the Bank Jobs sector. This role in Irvine offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
