Job Description
Join our dynamic finance team at Kern Financial Partners as a Credit Analyst in Bakersfield, CA. We're seeking a detail-oriented professional to evaluate creditworthiness, assess financial risks, and support our lending operations. This full-time role offers competitive compensation, comprehensive benefits, and opportunities for career advancement in a supportive environment.
Responsibilities
- Analyze financial statements, credit reports, and collateral to assess borrower risk profiles
- Prepare detailed credit memos and risk assessments for loan committee review
- Monitor existing portfolios for compliance and early warning signs of potential default
- Collaborate with loan officers to structure optimal financing solutions
- Stay current on industry regulations and compliance standards
- Utilize financial modeling tools to forecast repayment scenarios
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field
- 3+ years of commercial credit analysis experience
- Strong proficiency in Excel and financial modeling software
- Deep understanding of cash flow analysis and debt service coverage ratios
- Excellent analytical skills with attention to detail
- Valid California NMLS license preferred
- Strong written and verbal communication skills