Job Summary
We are seeking a dynamic and detail-oriented Credit Analyst to join our financial services team. In this role, you will evaluate credit data, financial statements, and industry trends to assess the creditworthiness of clients and prospects. Your expertise will support informed lending decisions, risk management, and compliance with loan regulations. The ideal candidate will possess strong analytical skills, industry knowledge of financial regulations, and excellent client communication abilities. This position offers an exciting opportunity to contribute to our portfolio management efforts and ensure sound financial practices across our organization.
Responsibilities
- Analyze financial statements, cash flow reports, and industry data to determine clients’ creditworthiness and risk levels
- Attend client calls with the lenders, maintaining professionalism and assisting the lender as needed
- Prepare detailed credit authorization loan packages for the lenders in a written format that is clear and concise
- Engage in loan origination processes, including client communication, negotiation, and documentation review
- Ensure compliance with all loan regulations and internal policies while adhering to financial and legal standards
- Monitor existing client portfolios for changes in risk profiles and recommend appropriate actions or adjustments
- Underwrite a variety of loan, including commercial and industrial, lot development, commercial real estate, residential construction, mortgages, and other personal banking packages
Experience
- Proven experience in financial analysis, credit analysis, or commercial lending within a banking or financial services environment
- Strong background in interpreting complex financial statements and conducting risk analysis using technical accounting principles
- Familiarity with financial software tools, Microsoft Office suite (especially Excel), and data collection techniques for quantitative research
- Ensure that credit authorizations are completed in a timely manner in accordance with loan closing dates/the specifications of the lenders
- Complete the post booking review process for the credit authorization once the loan has been booked
Join us to leverage your expertise in finance, lending, and risk management while helping clients achieve their goals through responsible credit practices. We value energetic professionals eager to make a positive impact in the world of finance!
Work Location: In person
