Job Description
Are you a detail-oriented financial professional looking for a challenging opportunity in the heart of California's Central Valley? Apex Financial Solutions is currently seeking a highly skilled Credit Analyst to join our dynamic team in Bakersfield, CA.
In this pivotal role, you will play a key part in our risk management process, evaluating loan applications and ensuring our portfolio remains healthy. We offer a competitive salary, comprehensive benefits, and a collaborative work environment where your expertise will directly impact our growth.
Why Join Us?
- Competitive salary and performance bonuses.
- Comprehensive health, dental, and vision insurance.
- 401(k) retirement plan with company match.
- Professional development and career advancement opportunities.
Responsibilities
- Conduct thorough analysis of financial statements, cash flow, and collateral to assess borrower creditworthiness.
- Prepare detailed credit memos and recommendations for loan approval or denial.
- Monitor existing loan portfolios for early warning signs of default or deterioration.
- Collaborate with loan officers and underwriters to structure complex credit facilities.
- Ensure compliance with all regulatory requirements and internal lending policies.
- Utilize financial software (e.g., SAP, Oracle) to maintain accurate borrower records.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- Minimum of 2-3 years of experience in commercial or consumer credit analysis.
- Strong proficiency in Microsoft Excel (pivot tables, VLOOKUP) and financial modeling.
- Excellent analytical skills with the ability to interpret complex financial data.
- Detail-oriented with a strong commitment to accuracy and integrity.
- Valid driver's license and willingness to travel for site visits (if required).