Job Description
Join the leading financial team in Jersey City and secure your future today.
Horizon Financial Group is seeking a detail-oriented and strategic Credit Analyst to join our dynamic team. If you are ready to start tomorrow and make a significant impact in financial risk management, we want to hear from you. We offer a competitive compensation package, a collaborative culture, and immediate opportunities for growth.
As a Credit Analyst, you will be the gatekeeper of our financial health, evaluating loan applications, analyzing market trends, and ensuring compliance with lending standards.
Responsibilities
- Perform comprehensive financial analysis of borrower profiles, including income verification, balance sheet analysis, and cash flow assessment.
- Prepare and present credit memos and recommendation reports to the Credit Committee with high accuracy and actionable insights.
- Monitor existing loan portfolios to identify early warning signs of default and recommend proactive mitigation strategies.
- Collaborate with underwriting teams to streamline approval processes and enhance credit policy frameworks.
- Stay updated on industry trends, economic indicators, and regulatory changes affecting the credit landscape.
- Utilize financial modeling techniques to forecast borrower capacity and assess risk exposure.
Qualifications
- Bachelor’s degree in Finance, Economics, Accounting, or a related field (Master’s degree preferred).
- Minimum of 3-5 years of experience in credit analysis, underwriting, or financial risk management.
- Proficiency in financial software (e.g., Bloomberg, SAS, or internal CRM systems) and advanced MS Excel skills (Pivot Tables, VLOOKUP).
- Strong understanding of GAAP principles and credit risk assessment methodologies.
- Excellent analytical thinking, attention to detail, and problem-solving abilities.
- Effective communication skills to present complex data to stakeholders clearly.