Job Description
Are you a detail-oriented financial professional looking to make an impact in the heart of South Texas?
Laredo Financial Group is seeking a highly skilled Credit Analyst to join our dynamic team. As a critical component of our risk management division, you will play a pivotal role in evaluating financial health and ensuring sustainable growth for our clients in the international trade sector.
Why Join Us?
- Competitive salary and comprehensive benefits package.
- Opportunity to work in a fast-paced, growth-oriented environment.
- Commitment to professional development and career advancement.
We are looking for a candidate who excels in data analysis, possesses strong ethical judgment, and can communicate complex financial concepts clearly.
Responsibilities
- Conduct thorough analysis of loan applications, financial statements, and credit reports to determine creditworthiness.
- Develop and implement credit scoring models to assess risk levels for new and existing clients.
- Monitor client accounts to identify early warning signs of financial distress.
- Prepare detailed credit memos and present findings to the underwriting committee.
- Collaborate with sales and account management teams to support business development strategies.
- Ensure compliance with all federal and state lending regulations and internal policies.
- Maintain accurate and up-to-date credit files in the company database.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- 3+ years of experience in credit analysis, underwriting, or financial risk assessment.
- Proficiency in financial modeling and analysis using Excel (advanced functions required).
- Strong understanding of banking regulations and compliance standards (e.g., TILA, RESPA).
- Excellent analytical skills with a keen attention to detail.
- Strong verbal and written communication skills, capable of presenting technical data to non-technical stakeholders.
- Ability to work independently and manage multiple priorities in a deadline-driven environment.