Job Description
Are you a meticulous financial professional seeking an immediate opportunity to make a significant impact? We are looking for a Senior Credit Analyst to join our dynamic team in Oakland, CA. In this pivotal role, you will be at the forefront of our risk management strategy, evaluating loan applications and ensuring the long-term financial health of our diverse portfolio.
As a key player in our finance division, you will leverage your expertise in financial modeling and risk assessment to drive decisions that align with our corporate goals. We offer a collaborative environment, competitive benefits, and a clear path for career growth. If you are ready to take your career to the next level with a top-tier organization, we want to hear from you.
Responsibilities
- Conduct comprehensive credit risk assessments and underwriting analysis for corporate and commercial clients.
- Review and analyze financial statements, tax returns, and cash flow projections to determine creditworthiness.
- Develop and maintain credit scoring models and internal risk guidelines to ensure compliance.
- Monitor portfolio performance and identify trends in delinquency or default rates.
- Prepare detailed credit memos and presentations for the credit committee.
- Collaborate with loan officers and relationship managers to resolve complex credit issues.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- 3+ years of experience in credit analysis, underwriting, or risk management.
- Proficiency in financial modeling using Excel (Advanced functions, PivotTables, VBA preferred).
- Strong understanding of banking regulations, lending standards, and compliance requirements.
- Excellent analytical skills with the ability to interpret complex financial data.
- Effective communication skills, both written and verbal.