Job Description
Lexington Financial Solutions is seeking a detail-oriented and analytical Credit Analyst to join our growing team in the heart of Lexington, KY. We pride ourselves on fostering a dynamic work culture that values professional growth and offers a flexible schedule to accommodate your personal needs. If you have a knack for numbers and a passion for risk management, we want to hear from you.
In this role, you will play a critical part in our underwriting process, ensuring that our lending decisions are data-driven and prudent. You will work closely with our risk management team to evaluate creditworthiness and develop strategies that minimize exposure while maximizing growth opportunities.
Responsibilities
- Conduct comprehensive credit analysis and risk assessment for new and existing clients.
- Review financial statements, tax returns, and collateral to determine creditworthiness and repayment capacity.
- Prepare and present detailed credit reports and recommendations to the credit committee.
- Monitor portfolio performance and identify early warning signs of default.
- Develop and maintain credit policy guidelines to ensure regulatory compliance.
- Collaborate with sales teams to structure financing solutions that meet client needs.
- Utilize financial modeling tools to project future cash flows and financial health.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- Minimum of 2-3 years of experience in credit analysis or commercial lending.
- Proficiency in Microsoft Office Suite, particularly advanced Excel functions.
- Strong understanding of credit scoring models, financial ratios, and risk management principles.
- Excellent analytical and problem-solving skills with a high attention to detail.
- Ability to work independently in a flexible, hybrid environment.