Job Description
Join our dynamic finance team as a Credit Analyst at Pacific Financial Solutions. We're seeking a detail-oriented professional to evaluate creditworthiness, assess financial risks, and support lending decisions in our Stockton headquarters. Enjoy competitive compensation, comprehensive benefits, and opportunities for career growth in a collaborative environment.
Responsibilities
- Analyze financial statements, credit reports, and market trends to assess borrower risk
- Prepare detailed credit memos and risk assessments for loan approval committees
- Monitor existing portfolios for compliance and early risk detection
- Collaborate with commercial lending teams to structure optimal financing solutions
- Stay updated on regulatory changes affecting credit operations
- Develop and maintain strong relationships with banking partners
Qualifications
- Bachelor's degree in Finance, Accounting, or related field required
- 3+ years of commercial credit analysis experience
- Strong proficiency in Excel and financial modeling software
- Credit certification (CRCM, CMB) preferred
- Deep understanding of cash flow analysis and collateral evaluation
- Exceptional analytical and problem-solving abilities
- Excellent written and verbal communication skills