Job Description
Join Harbor Financial Partners, a leading credit solutions provider, as a Credit Analyst in sunny Chula Vista! We're seeking a detail-oriented professional to evaluate creditworthiness and support our dynamic lending operations. Enjoy the flexibility of adjustable hours while working in our modern, collaborative office near the waterfront. This role offers competitive compensation, comprehensive benefits, and opportunities for career growth in the finance sector.
Responsibilities
- Analyze financial statements, credit reports, and market trends to assess borrower risk profiles
- Prepare detailed credit memoranda and risk assessments for loan committees
- Monitor existing loan portfolios and identify potential early-warning indicators
- Collaborate with loan officers to structure credit solutions aligned with client needs
- Ensure compliance with federal regulations and internal credit policies
- Utilize financial modeling software to forecast repayment scenarios
- Present complex credit analyses to senior management in clear, actionable formats
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field
- 3+ years of credit analysis or commercial lending experience
- Strong proficiency in Excel, financial modeling, and credit scoring systems
- Expertise in interpreting balance sheets, income statements, and cash flow projections
- Familiarity with Fannie Mae/Freddie Mac guidelines and SBA programs
- Excellent analytical skills with attention to detail and accuracy
- Effective communication abilities for explaining complex financial concepts
- Ability to work independently with flexible scheduling options