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Entry Level Commercial Banker Jobs in California

West Coast Community Bank

Credit Analyst

Santa Cruz, CA

$27 - $30/hr

This is an entry level commercial lending position for an individual with a college degree in business administration or economics, and/or prior banking experience. The position will include training ...

New

West Coast Community Bank

Credit Analyst

Santa Cruz, CA · On-site

$27 - $30/hr

This is an entry level commercial lending position for an individual with a college degree in business administration or economics, and/or prior banking experience. The position will include training ...

New

Axos Bank

Commercial Lending Specialist II

San Diego, CA · On-site

$21.50 - $30/hr

Axos Bank Target Range: $21.50/hr. - $30.00/hr. Actual starting pay will vary based on factors ... Bachelor's degree preferred * Entry-level role * Strong customer service and operations acumen

Axos Bank

Commercial Lending Specialist II

San Diego, CA · On-site

$21.50 - $30/hr

Axos Bank Target Range: $21.50/hr. - $30.00/hr. Actual starting pay will vary based on factors ... Bachelor's degree preferred * Entry-level role * Strong customer service and operations acumen

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All JobsCommercial Banker JobsEntry Level Commercial Banker JobsEntry Level Commercial Banker Jobs in California

Entry Level Commercial Banker information

What is the difference between Entry Level Commercial Banker vs Loan Officer?

AspectEntry Level Commercial BankerLoan Officer
CredentialsTypically a bachelor's degree in finance, economics, or related fieldUsually a bachelor's degree; certifications like Mortgage Loan Originator (MLO) may be preferred
Work EnvironmentBank branches, corporate offices, client meetingsBank branches, lending offices, client consultations
Employer & Industry UsageCommercial banks, financial institutionsCommercial banks, mortgage companies, credit unions
Common Search & ComparisonYesYes

Entry Level Commercial Bankers and Loan Officers often share similar educational backgrounds and work environments within banking institutions. While both roles involve client interaction and financial services, Commercial Bankers focus on broader commercial banking services, whereas Loan Officers primarily handle loan applications and approvals. Understanding these differences helps job seekers identify the right entry point in the banking industry.

How to become an entry level commercial banker with no experience?

To become an entry-level commercial banker with no experience, focus on obtaining a relevant bachelor's degree such as finance, accounting, or business, and develop strong communication and customer service skills. Internships or entry-level positions in banking or finance can provide practical experience, and earning certifications like the FINRA Series 6 or 7 may improve job prospects. Employers often value a willingness to learn and a professional attitude alongside foundational knowledge.

Is entry level commercial banking?

Entry-level commercial banking positions are typically available for individuals starting their careers in banking and finance. These roles often require basic knowledge of financial products, strong communication skills, and may involve tasks such as customer service, loan processing, or account management. Most entry-level roles do not require extensive experience or advanced certifications but may require a relevant degree or training.

Is it hard to get a job in entry level commercial banking?

Entry level commercial banking positions typically require a bachelor's degree in finance, economics, or related fields, along with strong communication and analytical skills. Competition can vary depending on the region and economic conditions, but gaining relevant internships or certifications like the CFA can improve chances of employment.

What are the most commonly searched types of Commercial Banker jobs in California?

The most popular types of Commercial Banker jobs in California are:

What are popular job titles related to Entry Level Commercial Banker jobs in California?

For Entry Level Commercial Banker jobs in California, the most frequently searched job titles are:

What job categories do people searching Entry Level Commercial Banker jobs in California look for?

The top searched job categories for Entry Level Commercial Banker jobs in California are:

What cities in California are hiring for Entry Level Commercial Banker jobs?

Cities in California with the most Entry Level Commercial Banker job openings:

Entry Level Commercial Banker jobs near you
Infographic showing various Entry Level Commercial Banker job openings in California as of July 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 100% In-person job distribution.

Credit Analyst

West Coast Community Bank

Santa Cruz, CA

$27 - $30/hr

Full-time

Posted 3 days ago

New

Job description

Description

West Coast Community Bank is a top-rated community bank with a focus on serving the banking needs of businesses and individuals along the Central Coast, in Silicon Valley and throughout the Bay Area.


Delivery of relationship-based service with a solutions-driven focus sets us apart from the competition. We offer direct access to decision-makers combined with modern banking technologies and digital tools. The Bank is a leading SBA lender in Santa Cruz County and Silicon Valley and a top USDA lender in the state of California.


Since opening in 2004, we have proudly upheld our commitment to support regional well-being by actively participating in and donating to local nonprofit organizations. We engage in impactful volunteerism and support the greater economic vitality within our four-county reach, contributing more than 2,000 hours of volunteering annually.


Position Overview

This position is onsite at our Santa Cruz location.

The Credit Analyst spreads financial statements, analyzes loan requests, and prepares credit approval forms for the Bank's commercial loan requests. Financial analysis includes ratio and trend analysis as well as the creation of projections and detailed analysis of cash flows. This is an entry level commercial lending position for an individual with a college degree in business administration or economics, and/or prior banking experience. The position will include training in accounting, finance, and regulatory compliance, in addition to bank-specific products and policies. The Credit Analyst is expected to progress to the Credit Analyst II position within 1-2 years. Typical career paths following Credit Analyst II would be to become a Senior Credit Analyst, Loan Portfolio Manager, or Underwriter.


Essential Job Functions

  • Spreading financial statements, performing cash flow analysis, reviewing collateral, and underwriting commercial loan requests.
  • Preparing credit approval requests and submitting them for approval by executives and loan committees.
  • Attending training courses and enhancing knowledge of credit and lending topics.
  • Engaging in training on writing, presentation skills, treasury management, and compliance.
  • Working closely with commercial lenders to ensure accurate and up-to-date credit files.
  • Discussing perceived credit weaknesses or potential credit problems with the Underwriting Manager or other lending managers.
  • Reviewing credit requests for conformance to regulatory guidelines and Bank policies.
  • Assessing collateral and other sources of repayment, as well as borrower credit history and management ability.
  • Participating in loan committees on a rotational basis.
  • Performing general clerical duties, including filing, copying, data entry, and scanning.
  • Performing additional duties as assigned that are consistent with the business needs of the Bank and the scope, responsibilities, and level of the role.


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