Job Description
We are seeking a highly analytical and detail-oriented Credit Analyst to join our growing finance team in El Paso, TX. In this pivotal role, you will be responsible for evaluating loan applications, assessing credit risk, and ensuring the financial health of our lending portfolio. If you have a strong background in financial analysis and a passion for data-driven decision-making, we encourage you to apply today.
Key Benefits:
- Competitive salary and performance bonuses.
- Comprehensive health, dental, and vision insurance.
- Retirement savings plan (401k) with company match.
- Generous paid time off and professional development opportunities.
Responsibilities
- Conduct in-depth analysis of financial statements, including balance sheets and income statements, to evaluate borrower creditworthiness.
- Assess risk factors and determine appropriate credit limits and terms for new and existing clients.
- Maintain accurate and up-to-date credit files and documentation in compliance with company policies and regulatory standards.
- Prepare comprehensive credit memos and reports for senior management and loan committees.
- Monitor the performance of the credit portfolio to identify early warning signs of default or delinquency.
- Collaborate with underwriting and sales teams to streamline the loan approval process and support business growth.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field is required.
- 2-4 years of professional experience in credit analysis, underwriting, or financial analysis.
- Proficiency in Microsoft Excel (including VLOOKUP, Pivot Tables, and financial modeling functions).
- Strong analytical skills with the ability to interpret complex financial data and trends.
- Excellent written and verbal communication skills for preparing reports and presenting findings.
- Detail-oriented mindset with the ability to manage multiple priorities and meet strict deadlines.