Job Description
Are you a detail-oriented professional with a sharp eye for financial risk? Apex Financial Solutions is currently seeking a highly qualified Credit Analyst to join our dynamic team in Irvine, CA. In this key role, you will evaluate credit applications, assess borrower financial health, and support our lending strategy with data-driven insights.
We pride ourselves on fostering a culture of excellence and integrity. As a Credit Analyst with us, you will work in a collaborative environment where your analytical skills directly impact our growth and stability. We offer a competitive compensation package and a clear pathway for career advancement.
Responsibilities
- Conduct thorough credit analysis of loan applications, including review of financial statements, tax returns, and cash flow projections.
- Assess the creditworthiness of potential borrowers by evaluating financial ratios, industry trends, and collateral value.
- Prepare detailed credit memos and recommendation reports to support the underwriting approval process.
- Monitor existing accounts for early warning signs of financial distress or default.
- Collaborate with the underwriting and relationship management teams to structure loan terms effectively.
- Maintain and update accurate credit files and documentation in compliance with regulatory standards.
- Perform variance analysis and trend reporting on key credit metrics.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field required.
- 3+ years of experience in credit analysis, underwriting, or financial analysis.
- Strong proficiency in Microsoft Excel (advanced functions such as VLOOKUP, pivot tables) and financial modeling.
- Deep understanding of credit risk assessment principles, banking regulations, and lending standards.
- Excellent analytical skills with a proven track record of accuracy and attention to detail.
- Strong verbal and written communication skills for presenting complex financial data.
- Ability to work independently and manage multiple priorities in a fast-paced environment.