Job Description
Lexington Financial Partners is seeking a highly analytical and detail-oriented Credit Analyst to join our dynamic team in Lexington, KY. In this critical role, you will be responsible for evaluating the creditworthiness of borrowers, assessing financial risks, and ensuring our lending portfolio remains robust and compliant.
We offer a competitive benefits package, including health insurance, a 401(k) retirement plan with company match, and ample opportunities for professional growth. If you have a strong background in financial analysis and a passion for helping businesses succeed, we encourage you to apply.
Why Join Us?
- Competitive salary and comprehensive benefits.
- Work in a collaborative, supportive, and innovative environment.
- Opportunity for career advancement within a growing financial institution.
Responsibilities
- Analyze and evaluate credit applications by reviewing financial statements, credit reports, tax returns, and collateral.
- Perform in-depth risk assessments and prepare comprehensive credit memos and recommendations for the loan committee.
- Monitor and manage existing credit accounts to identify early warning signs of financial distress or delinquency.
- Ensure strict adherence to all federal, state, and local banking regulations and internal underwriting policies.
- Collaborate with loan officers and underwriters to structure loan terms that balance risk mitigation with client needs.
- Maintain accurate and up-to-date credit files using our loan management system.
- Generate and present credit analysis reports to senior management and stakeholders.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field required.
- Minimum of 2-3 years of experience in credit analysis, underwriting, or a related financial services role.
- Strong proficiency in Microsoft Office Suite, particularly advanced Excel functions (Pivot Tables, VLOOKUP).
- Excellent analytical skills with a keen attention to detail and accuracy.
- Deep understanding of credit risk management principles and banking regulations (e.g., CRA, BSA).
- Strong written and verbal communication skills for presenting complex data to diverse audiences.