Job Description
Join our dynamic finance team as a Credit Analyst with unparalleled schedule flexibility! Riverside Financial Solutions offers a supportive environment where your expertise in risk assessment meets modern work-life balance. Enjoy remote/hybrid options while analyzing creditworthiness, evaluating financial statements, and supporting our commercial lending portfolio. This role is perfect for professionals seeking autonomy without compromising career growth in the thriving Inland Empire market.
Responsibilities
- Analyze complex financial statements and credit data to assess borrower risk profiles
- Prepare detailed credit reports with actionable recommendations for loan committees
- Monitor existing credit portfolios and identify early warning signs of potential defaults
- Collaborate with commercial bankers to structure optimal financing solutions
- Stay updated on industry regulations affecting credit policies and procedures
- Utilize advanced Excel modeling and financial analysis software
- Present findings clearly to senior stakeholders through executive summaries
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field
- 3+ years of commercial credit analysis experience
- Expert proficiency in financial statement analysis and ratio interpretation
- Advanced Excel skills including VLOOKUP, PivotTables, and financial modeling
- Credit Scoring certification (CRCM or equivalent) preferred
- Strong understanding of FICO scoring methodologies and industry benchmarks
- Exceptional attention to detail and analytical problem-solving abilities
- Ability to work independently with minimal supervision in flexible arrangements