Job Description
We are seeking a highly analytical and detail-oriented Credit Analyst to join our dynamic finance team in Columbus, Ohio. In this pivotal role, you will evaluate the financial health of potential borrowers, assess credit risk, and support strategic lending decisions that drive business growth.
Our ideal candidate possesses a sharp eye for data, a passion for financial analysis, and the ability to communicate complex insights clearly. You will work in a collaborative environment that values professional development and operational excellence.
Responsibilities
- Conduct in-depth financial analysis of borrower applications, including reviewing balance sheets, income statements, and cash flow reports.
- Assess creditworthiness and determine appropriate loan terms, interest rates, and collateral requirements.
- Prepare comprehensive credit memos and detailed risk assessments for lending committees.
- Monitor existing accounts for early warning signs of financial distress or default to mitigate risk.
- Maintain accurate and up-to-date credit files in compliance with industry regulations and internal policies.
- Utilize financial models and Excel to forecast repayment scenarios and long-term viability.
- Collaborate with underwriters and relationship managers to resolve credit issues.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- 2-5 years of professional experience in credit analysis, commercial lending, or risk management.
- Strong proficiency in Microsoft Excel (pivot tables, VLOOKUP, financial modeling) and banking software.
- Excellent analytical skills with a proven track record of accuracy and attention to detail.
- Strong written and verbal communication skills for presenting findings to stakeholders.
- Professional certifications (e.g., CFA, CPA, CAM) are a significant plus.