Job Description
Are you a detail-oriented financial professional looking for a dynamic role in Lubbock, TX? South Plains Credit Solutions is seeking a highly skilled Credit Analyst to join our growing team. We pride ourselves on our innovative approach to financial risk management and our commitment to employee flexibility.
We are proud to offer a remote-friendly work environment, allowing you to maintain a healthy work-life balance while contributing to our mission of financial stability for our clients. If you have a keen eye for data analysis and a passion for credit risk assessment, we want to hear from you.
Why Join Us?
- Competitive salary and comprehensive benefits package.
- Flexible hybrid work schedule in Lubbock, TX.
- Opportunities for professional growth and mentorship.
- State-of-the-art remote work tools provided.
Responsibilities
- Conduct Comprehensive Risk Assessments: Analyze financial statements, credit reports, and business plans to evaluate the creditworthiness of applicants and existing clients.
- Underwriting Support: Collaborate with the underwriting team to determine appropriate credit limits, interest rates, and terms for loans and credit facilities.
- Data Analysis & Modeling: Utilize advanced financial modeling techniques and software to predict potential defaults and assess portfolio risk.
- Report Preparation: Prepare detailed credit memos and recommendation reports for senior management review and approval.
- Policy Compliance: Ensure all credit decisions adhere to company policies, federal regulations (e.g., Truth in Lending Act), and internal risk standards.
- Portfolio Monitoring: Regularly monitor existing accounts for signs of financial distress, delinquency, or changes in credit profile.
Qualifications
- Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field is required.
- Experience: Minimum of 2-3 years of experience in credit analysis, underwriting, or a related financial role.
- Technical Skills: Proficiency in credit scoring models, financial analysis software (e.g., SAS, FICO, Encompass), and Microsoft Excel (advanced functions required).
- Analytical Mindset: Strong ability to interpret complex financial data and identify trends or red flags.
- Communication: Excellent verbal and written communication skills with the ability to present complex findings clearly to stakeholders.
- Regulatory Knowledge: Solid understanding of banking regulations and compliance standards.