Job Description
Are you a detail-oriented financial professional looking to make a tangible impact? Apex Financial Solutions is seeking a highly skilled Credit Analyst to join our dynamic team in Saint Paul, MN.
We pride ourselves on fostering a culture of excellence, innovation, and work-life balance. In this pivotal role, you will be responsible for assessing credit risks, analyzing financial data, and supporting our loan origination process. Whether you prefer a fully remote environment or a collaborative office setting, we offer the flexibility to suit your lifestyle.
Join us and leverage your expertise in a role where your analytical skills directly contribute to our continued growth and financial stability.
Responsibilities
- Conduct Thorough Financial Analysis: Review and analyze financial statements, cash flow projections, and credit reports to evaluate the creditworthiness of loan applicants.
- Prepare Credit Memorandums: Draft comprehensive credit analysis reports detailing risk factors, financial ratios, and recommendations for credit approval or denial.
- Monitor Portfolio Performance: Continuously monitor existing accounts for early warning signs of default or deteriorating financial health.
- Collaborate with Lending Teams: Work closely with relationship managers and underwriters to structure deals and determine appropriate credit limits.
- Compliance & Documentation: Ensure all credit files are complete, accurate, and compliant with internal policies and regulatory standards.
- Market Research: Stay informed about industry trends and economic conditions that may impact borrower repayment capabilities.
Qualifications
- Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field is required.
- Experience: Minimum of 2-3 years of professional experience in credit analysis, commercial lending, or financial risk assessment.
- Technical Skills: Advanced proficiency in Microsoft Excel (including financial modeling, VLOOKUP, and pivot tables) and experience with credit analysis software.
- Analytical Mindset: Strong ability to interpret complex financial data and identify key trends and potential risks.
- Attention to Detail: Exceptional accuracy in data entry, documentation, and report generation.
- Communication: Excellent written and verbal communication skills, with the ability to present findings clearly to stakeholders.