Job Description
Join our dynamic finance team in El Paso, Texas, as a Direct Hire Credit Analyst. This pivotal role combines financial expertise with strategic risk assessment to drive our lending decisions. We offer a collaborative environment with competitive compensation, comprehensive benefits, and opportunities for career advancement. If you're passionate about financial analysis and thrive in a fast-paced setting, apply today to become part of our mission to empower local businesses and communities.
Responsibilities
- Analyze financial statements, credit reports, and market data to assess borrower risk profiles
- Prepare detailed credit memos and risk assessments for loan approval committees
- Monitor existing loan portfolios and recommend mitigations for potential delinquencies
- Collaborate with commercial lenders to structure optimal financing solutions
- Stay current on regulatory compliance (FHA, SBA, TILA) and industry trends
- Utilize credit scoring models and financial software for data-driven decisions
- Present findings to senior leadership with clear, actionable recommendations
Qualifications
- Bachelor's degree in Finance, Accounting, or Business Administration
- 3+ years of credit analysis experience in commercial or consumer lending
- Proficiency in financial modeling software (e.g., Moody's Analytics, RiskCalc)
- Strong understanding of cash flow analysis and collateral valuation
- Credit certification (CRCM or equivalent) preferred
- Exceptional Excel skills with advanced formula knowledge
- Excellent written/verbal communication and presentation abilities
- Detail-oriented with proven analytical problem-solving skills