Job Description
Join our dynamic finance team as a Credit Analyst at Pacific Coast Financial Services! We're seeking a detail-oriented professional to evaluate creditworthiness and support lending decisions. Enjoy a premium work environment with all necessary equipment provided—including dual monitors, ergonomic workstations, and advanced financial software licenses. This role offers competitive compensation, comprehensive benefits, and opportunities for career growth in Chula Vista's thriving financial district.
Responsibilities
- Analyze financial statements, credit reports, and market data to assess borrower risk profiles
- Prepare detailed credit memos and risk assessments for loan approval committees
- Monitor existing loan portfolios for compliance and early risk identification
- Collaborate with sales teams to structure credit solutions aligned with client needs
- Utilize provided financial modeling tools to forecast repayment scenarios
- Document credit decisions in compliance with regulatory requirements
- Stay current on industry trends and regulatory changes affecting credit policies
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field
- 3+ years of commercial credit analysis experience
- Advanced proficiency in Excel and financial modeling software (provided)
- Strong understanding of cash flow analysis and financial statement interpretation
- Excellent written communication skills for credit documentation
- Familiarity with credit risk assessment methodologies
- Professional certification (CFA, CRCM) preferred
- Ability to work independently with minimal supervision