Job Description
Are you a detail-oriented financial professional looking for your next career move?
Apex Financial Solutions is seeking a highly skilled Credit Analyst to join our dynamic team in the heart of Austin, TX. We pride ourselves on innovation and risk management, and we are looking for a candidate who thrives in a fast-paced environment.
Why Join Us?
We are offering a generous $5,000 Sign-on Bonus to qualified candidates who are ready to make an immediate impact. Work with a team that values expertise, integrity, and professional growth.
Apex Financial Solutions is seeking a highly skilled Credit Analyst to join our dynamic team in the heart of Austin, TX. We pride ourselves on innovation and risk management, and we are looking for a candidate who thrives in a fast-paced environment.
Why Join Us?
We are offering a generous $5,000 Sign-on Bonus to qualified candidates who are ready to make an immediate impact. Work with a team that values expertise, integrity, and professional growth.
Responsibilities
- Analyze Financial Data: Conduct in-depth analysis of financial statements, credit reports, and collateral to evaluate the creditworthiness of applicants.
- Risk Assessment: Identify potential risks and trends by reviewing borrower profiles and market conditions to make informed lending decisions.
- Report Generation: Prepare comprehensive credit memos, risk assessment reports, and recommendation letters for senior management review.
- Compliance & Policy: Ensure all credit decisions align with company policies, regulatory requirements, and internal risk appetite guidelines.
- Collaboration: Partner with the underwriting and loan origination teams to streamline the approval process and improve turnaround times.
- Monitoring: Monitor account performance post-approval and recommend adjustments to credit limits or terms to mitigate delinquency risk.
Qualifications
- Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field is required.
- Experience: 3-5 years of experience in credit analysis, risk management, or commercial lending.
- Technical Skills: Proficiency in Microsoft Excel (VLOOKUP, Pivot Tables) and experience with credit analysis software or ERPs.
- Knowledge: Strong understanding of credit scoring models (FICO, VantageScore) and lending regulations (e.g., Truth in Lending Act).
- Soft Skills: Exceptional analytical thinking, strong verbal and written communication skills, and a high level of attention to detail.
- Location: Must be willing to work in our Austin, TX office.