Job Description
Join our award-winning financial institution as a Credit Analyst in the heart of Silicon Valley. You'll be instrumental in evaluating creditworthiness, mitigating risks, and supporting our growing portfolio of tech and startup clients. This role offers unparalleled exposure to cutting-edge financial analysis within a collaborative, fast-paced environment.
We provide comprehensive benefits including health insurance, 401(k) matching, and professional development stipends. Our San Jose headquarters features modern amenities and flexible work arrangements.
Responsibilities
- Analyze financial statements, cash flows, and industry trends to assess credit risk
- Prepare detailed credit memos and risk assessments for senior review
- Monitor existing portfolios and identify early warning indicators of potential defaults
- Collaborate with relationship managers to structure optimal credit solutions
- Stay current on regulatory compliance requirements and internal policies
- Present findings to credit committees and executive leadership
Qualifications
- Bachelor's degree in Finance, Accounting, or Business Administration
- 3+ years of commercial credit analysis experience
- Advanced proficiency in Excel and financial modeling
- Strong understanding of GAAP and credit risk frameworks
- Excellent written and verbal communication skills
- Experience with credit software (e.g., Moody's Analytics, FICO)
- Proven ability to analyze complex financial data and make sound recommendations