Job Description
Are you detail-oriented with a passion for financial analysis? Pacific Financial Group is seeking a Credit Analyst to join our dynamic team in the heart of Sacramento, CA.
We are a leading financial institution dedicated to providing exceptional service and sound lending solutions. We are looking for a proactive professional who can assess risk and drive business growth. This is your chance to start tomorrow!
Why Join Us?
- Competitive salary and comprehensive benefits package.
- Opportunity for rapid career advancement in a stable industry.
- Modern, collaborative work environment in downtown Sacramento.
- Flexible scheduling options to support work-life balance.
Responsibilities
- Conduct comprehensive credit risk assessments for new and existing loan applications.
- Analyze financial statements, credit reports, tax returns, and cash flow data to determine creditworthiness.
- Prepare detailed credit memos and recommendation reports for the lending committee.
- Monitor the performance of the credit portfolio and identify early warning signs of delinquency.
- Collaborate with underwriting teams to refine credit policies, procedures, and automated models.
- Ensure compliance with all federal and state banking regulations and internal risk management standards.
- Assist in the development and maintenance of the credit scoring database.
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or a related field.
- 2-4 years of experience in credit analysis, underwriting, or financial risk management.
- Strong proficiency in Microsoft Office Suite, particularly advanced Excel (VLOOKUP, PivotTables, Macros).
- Deep understanding of financial modeling, ratio analysis, and cash flow analysis.
- Excellent analytical problem-solving skills with a high degree of accuracy and attention to detail.
- Strong written and verbal communication skills for presenting findings to stakeholders.
- Ability to work independently and manage multiple priorities in a fast-paced environment.