Job Description
Are you a detail-oriented financial professional looking for a rewarding career with flexible hours? Apex Financial Solutions is seeking a skilled Credit Analyst to join our growing team in Miami, FL. We pride ourselves on a collaborative culture that values accuracy, integrity, and work-life balance.
In this role, you will play a crucial part in our lending process by assessing the creditworthiness of borrowers and mitigating risk. We offer a competitive compensation package and the flexibility to manage your schedule effectively. If you are ready to advance your career in finance, apply today!
Responsibilities
- Conduct thorough credit risk assessments on loan applications and existing portfolios.
- Analyze financial statements, cash flow projections, and credit reports to evaluate borrower capacity.
- Prepare detailed credit memos and formal recommendations for loan approval or denial.
- Monitor portfolio performance and identify early warning signs of potential delinquency.
- Collaborate with loan officers and underwriting teams to ensure accurate data analysis.
- Update and maintain internal credit scoring models and documentation.
- Ensure compliance with all banking regulations and internal policies.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- 2-3 years of professional experience in credit analysis or commercial lending.
- Strong proficiency in financial modeling, MS Excel, and ERP systems (e.g., SAP, Oracle).
- Excellent analytical skills with the ability to interpret complex financial data.
- Strong attention to detail and a high degree of accuracy.
- Understanding of banking regulations and risk management principles.
- Ability to work independently and manage multiple priorities in a fast-paced environment.