Job Description
Are you a detail-oriented financial professional looking for an opportunity to drive lending decisions in a dynamic market? Apex Financial Partners is seeking a Credit Analyst to join our growing team in Cincinnati, OH. We are committed to fostering a collaborative environment where analytical rigor meets strategic growth.
In this role, you will play a critical role in evaluating the creditworthiness of clients, managing risk exposure, and ensuring the long-term health of our loan portfolio. If you possess a strong command of financial analysis and a desire to excel in a high-performance environment, we encourage you to apply.
Responsibilities
- Perform Thorough Credit Analysis: Evaluate loan applications, financial statements, and credit reports to assess borrower risk and capacity.
- Develop Financial Models: Create and maintain complex financial models to forecast borrower performance and repayment schedules.
- Prepare Credit Memos: Draft comprehensive credit presentations for the Credit Committee, summarizing key findings and recommendations.
- Monitor Compliance: Track existing accounts to ensure borrowers adhere to loan covenants and regulatory requirements.
- Market Research: Analyze industry trends and economic indicators relevant to specific sectors to inform lending strategies.
- Collaborate: Work closely with the underwriting team and relationship managers to support client needs and resolve credit issues.
Qualifications
- Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- Experience: 3+ years of experience in credit analysis, commercial lending, or financial risk assessment.
- Technical Skills: Proficiency in Microsoft Excel (VLOOKUP, Pivot Tables, Macros) and SQL is highly preferred.
- Analytical Skills: Strong ability to interpret complex financial data and identify key trends.
- Communication: Excellent verbal and written communication skills with the ability to present findings to senior management.
- Attention to Detail: Meticulous approach to documentation and data accuracy.