Job Description
Are you a detail-oriented financial professional looking for a role to start tomorrow?
Pacific Coast Financial Group is seeking a Credit Analyst to join our dynamic team in Santa Ana, CA. In this pivotal role, you will play a critical part in assessing credit risk and ensuring the financial health of our growing portfolio. We offer a competitive salary, comprehensive benefits, and a culture of growth. Don't miss this opportunity to advance your career in a leading financial institution.
Why Join Us?
- Competitive salary and performance bonuses.
- Comprehensive health, dental, and vision insurance.
- Professional development and training programs.
- Collaborative and inclusive work environment.
Role Overview:
As a Credit Analyst, you will be responsible for evaluating loan applications, analyzing financial statements, and maintaining credit risk models. Your expertise will directly impact our lending decisions and business strategy.
Responsibilities
- Conduct comprehensive financial analysis: Review and interpret balance sheets, income statements, and cash flow statements to assess borrower creditworthiness.
- Evaluate credit risk: Develop and maintain credit risk models to identify potential default risks and recommend mitigation strategies.
- Prepare credit reports: Draft detailed credit memos and reports for internal review and lending committee presentations.
- Monitor credit limits: Regularly review and update credit lines for existing clients based on performance and market conditions.
- Collaborate with teams: Work closely with loan officers and portfolio managers to support the loan approval process.
- Compliance adherence: Ensure all credit decisions comply with federal and state regulations.
Qualifications
- Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field is required.
- Experience: 2-4 years of experience in credit analysis, underwriting, or risk assessment.
- Technical Skills: Proficiency in financial modeling and advanced Excel skills (VLOOKUP, PivotTables, Macros).
- Knowledge: Strong understanding of credit risk principles, lending regulations, and financial statement analysis.
- Communication: Excellent written and verbal communication skills with the ability to present complex data clearly.
- Attention to Detail: High level of accuracy when analyzing data and preparing documentation.