Job Description
We are seeking a highly analytical and detail-oriented Credit Analyst to join our dynamic finance team in the heart of Seattle. This is a high-visibility role where your expertise in risk assessment and financial modeling will directly impact our growth strategy. If you thrive in a fast-paced environment and are looking for an immediate opportunity, we want to hear from you.
Why Join Us?
- Competitive salary and comprehensive benefits package.
- Hybrid work model supporting work-life balance.
- Professional development and mentorship opportunities.
Job Summary
As a Credit Analyst, you will be responsible for evaluating the creditworthiness of our clients, managing portfolio risk, and providing actionable insights to drive lending decisions. You will work closely with underwriting teams to ensure our lending standards are met while supporting business expansion.
Responsibilities
- Conduct comprehensive credit analysis on new and existing clients, including reviewing financial statements, tax returns, and cash flow reports.
- Assess borrower creditworthiness and risk profiles to recommend appropriate lending limits and terms.
- Develop and maintain credit scoring models and internal reporting tools using Excel and SQL.
- Monitor portfolio performance and identify early warning signs of potential defaults.
- Collaborate with the underwriting team to resolve complex credit issues and structure deals.
- Prepare detailed credit memos and presentations for senior management and board approval.
- Stay updated on industry trends, regulatory changes, and economic indicators affecting credit risk.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- Minimum of 2-3 years of experience in credit analysis, underwriting, or financial risk management.
- Strong proficiency in Microsoft Excel (VLOOKUP, Pivot Tables, Macros) and ERP systems (e.g., SAP, Oracle).
- Excellent analytical skills with the ability to interpret complex financial data.
- Strong written and verbal communication skills.
- Experience with financial modeling and forecasting is highly preferred.