Job Description
Are you looking to launch a stable and rewarding career in finance? Pacific Financial Solutions is currently seeking a dedicated Junior Credit Analyst to join our dynamic team in Honolulu, Hawaii. This is an excellent opportunity for motivated individuals with no prior experience to grow into a high-impact role. We provide comprehensive training and mentorship to help you succeed in the world of credit risk assessment and financial analysis.
As a Credit Analyst at Pacific Financial, you will play a crucial role in evaluating loan applications, analyzing financial data, and supporting our senior analysts in maintaining healthy credit portfolios. If you possess strong analytical skills, a keen eye for detail, and a desire to learn, we want to hear from you!
As a Credit Analyst at Pacific Financial, you will play a crucial role in evaluating loan applications, analyzing financial data, and supporting our senior analysts in maintaining healthy credit portfolios. If you possess strong analytical skills, a keen eye for detail, and a desire to learn, we want to hear from you!
Responsibilities
- Analyze Financial Statements: Review and evaluate balance sheets, income statements, and cash flow statements to assess the creditworthiness of applicants.
- Assist in Credit Decisions: Support the credit committee by preparing detailed reports and summaries of borrower profiles.
- Monitor Account Performance: Track existing accounts to identify early signs of financial distress or risk.
- Compliance Documentation: Ensure all credit files and documentation meet regulatory standards and internal policies.
- Data Entry & Maintenance: Maintain accurate records in our credit management system and update customer information as needed.
- Customer Communication: Assist in answering inquiries from loan officers or customers regarding loan status and requirements.
- Market Research: Conduct basic research on industry trends to support credit limit adjustments.
Qualifications
- Education: High school diploma or GED required; Bachelor’s degree in Finance, Accounting, or Business is a plus but not mandatory.
- No Experience Required: We are looking for candidates eager to learn. Prior exposure to finance, banking, or customer service is helpful but not required.
- Skills: Strong basic math skills and the ability to interpret numerical data accurately.
- Software Proficiency: Comfortable using Microsoft Office Suite (Excel, Word, Outlook) and willingness to learn internal credit software.
- Attention to Detail: Highly organized with the ability to spot discrepancies in data.
- Communication: Excellent verbal and written communication skills.
- Work Ethic: Self-motivated, reliable, and able to work independently as well as part of a team.