Job Description
Join our dynamic finance team at Pacific Financial Partners as a Credit Analyst with unprecedented flexibility. We offer a modern, hybrid work environment allowing you to balance professional growth with personal commitments. Our Chula Vista-based team values innovation and work-life integration, providing tailored schedules to accommodate your needs. As a key member of our risk management division, you'll analyze financial data, evaluate creditworthiness, and support strategic lending decisions while enjoying competitive compensation and comprehensive benefits.
Responsibilities
- Analyze financial statements, credit reports, and market trends to assess borrower risk profiles
- Prepare detailed credit recommendations and risk assessments for loan committees
- Monitor existing loan portfolios and identify early warning indicators of potential defaults
- Collaborate with relationship managers to structure optimal credit solutions
- Stay current on regulatory compliance (FDIC, OCC, and state banking regulations)
- Develop and maintain automated credit scoring models using Excel and financial software
- Present findings clearly to senior leadership and cross-functional teams
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field
- 3+ years of commercial credit analysis experience in banking or lending
- Advanced proficiency in Excel, financial modeling, and data visualization tools
- Strong knowledge of credit risk frameworks and underwriting standards
- Excellent analytical skills with attention to detail and accuracy
- Effective communication abilities for presenting complex financial information
- Ability to work independently with minimal supervision in a flexible environment
- Professional certification (CFA, CRCM) preferred