Job Description
Join our dynamic finance team as a Credit Analyst and make an immediate impact on our portfolio's financial health. We're seeking detail-oriented professionals to evaluate creditworthiness, manage risk, and drive strategic lending decisions. Start tomorrow with our streamlined onboarding process and enjoy competitive benefits including health insurance, 401k matching, and professional development stipends. Work in Miami's thriving financial district with hybrid options available.
Responsibilities
- Analyze financial statements, credit reports, and market trends to assess borrower risk profiles
- Prepare detailed credit memos and risk assessments for loan approval committees
- Monitor existing loan portfolios and identify early warning signs of potential defaults
- Collaborate with commercial banking teams to structure optimal credit solutions
- Stay updated on regulatory changes (FRB, OCC, FDIC) affecting credit policies
- Utilize advanced Excel modeling and credit scoring software for quantitative analysis
- Present findings to senior leadership with clear, actionable recommendations
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field
- 3+ years of commercial credit analysis experience in banking/lending
- Strong proficiency in financial modeling and risk assessment methodologies
- Expert knowledge of cash flow analysis, collateral evaluation, and covenant monitoring
- Credit certification (CRCM, CMB) or willingness to obtain within 6 months
- Exceptional attention to detail and ability to interpret complex financial data
- Proven track record of meeting deadlines in fast-paced environments
- Proficiency with credit software (e.g., Moody's Analytics, Fiserv)