Job Description
Join our elite financial team at Pacific Coast Financial Partners, where precision meets opportunity. We're seeking a Credit Analyst to drive our lending decisions forward in San Diego's vibrant market. This direct-hire role offers unparalleled growth potential, competitive compensation, and a culture that values analytical excellence. You'll collaborate with industry leaders while shaping our credit portfolio's future.
Responsibilities
- Analyze financial statements, cash flows, and creditworthiness of commercial and individual clients
- Prepare comprehensive credit reports with risk assessments and recommendations
- Monitor existing portfolios for compliance and early risk detection
- Collaborate with lending teams to structure optimal credit solutions
- Stay current on industry regulations and economic trends affecting credit decisions
- Present findings to senior leadership with clear data-driven insights
Qualifications
- Bachelor's degree in Finance, Accounting, or related field (MBA preferred)
- 3+ years of commercial credit analysis experience
- Advanced proficiency in Excel and financial modeling tools
- Strong understanding of GAAP, credit scoring models, and risk assessment frameworks
- Proven track record in underwriting complex credit transactions
- Credit certification (CRCM, CMB) highly desirable
- Exceptional attention to detail and analytical reasoning skills