Job Description
Join our dynamic finance team at Baltimore Financial Group, where your analytical expertise drives critical lending decisions. We're seeking a meticulous Credit Analyst to evaluate creditworthiness, assess risk exposure, and support our growing portfolio of commercial and retail clients. This role offers hybrid flexibility and direct impact on financial health across Maryland's thriving business landscape.
Responsibilities
- Analyze financial statements, cash flows, and market trends to evaluate credit applications
- Prepare detailed credit reports with risk assessments and recommendations
- Monitor existing loan portfolios for compliance and early warning signals
- Collaborate with senior lenders to structure optimal credit solutions
- Stay current on industry regulations and economic developments affecting credit risk
- Present findings to credit committees with clear, data-driven insights
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field
- 3+ years of credit analysis experience in banking/lending environment
- Advanced proficiency in Excel and financial modeling software
- Strong understanding of GAAP/IFRS and credit risk frameworks
- Excellent analytical skills with attention to detail
- Effective communication skills for presenting complex financial data
- Credit Risk Manager (CRM) or equivalent certification preferred