Job Description
Are you a detail-oriented financial strategist looking for the next step in your career? Apex Financial Solutions is currently seeking a highly skilled Credit Analyst to join our growing team. We are proud to offer a remote-friendly work environment, allowing you to manage your workload from anywhere while enjoying the vibrant community of Riverside, CA.
In this pivotal role, you will play a critical part in our lending process by evaluating credit applications, assessing risk, and providing actionable insights to our underwriting team. If you have a strong background in financial analysis and a passion for helping businesses grow, we want to meet you.
Why Join Apex Financial Solutions?
- Hybrid/Remote flexibility supported by modern technology.
- Competitive compensation and comprehensive benefits package.
- Professional development and mentorship opportunities.
- Collaborative and inclusive company culture.
Responsibilities
- Analyze financial statements, tax returns, and cash flow reports to evaluate the creditworthiness of loan applicants.
- Utilize financial models to forecast repayment capacity and assess potential risks associated with new and existing credit facilities.
- Prepare comprehensive credit memos, recommendation reports, and internal presentations for loan committees.
- Monitor and review the performance of existing credit accounts to identify early warning signs of financial distress.
- Maintain accurate and up-to-date credit files, ensuring full compliance with internal policies and regulatory standards.
- Collaborate with loan officers and underwriters to resolve complex credit issues and structure deals effectively.
- Stay abreast of industry trends, economic indicators, and regulatory changes that may impact lending decisions.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field (Master’s degree preferred).
- Minimum of 3-5 years of experience in credit analysis, underwriting, or risk assessment.
- Proficient in financial modeling, advanced Excel functions (VLOOKUP, Pivot Tables, Macros), and credit analysis software.
- Strong analytical mindset with the ability to interpret complex financial data and identify trends.
- Excellent verbal and written communication skills, with the ability to present findings clearly to stakeholders.
- Self-motivated and capable of working independently in a remote environment.