Job Description
Join our dynamic finance team as a Credit Analyst with unprecedented flexibility! We're seeking a detail-oriented professional to evaluate creditworthiness and mitigate financial risks while enjoying a customizable work schedule. This role offers remote/hybrid options with core hours, allowing you to achieve work-life balance without compromising career growth. You'll collaborate with cross-functional teams to analyze financial statements, assess loan applications, and contribute to our mission of empowering local businesses. Our Lubbock-based company provides competitive benefits, professional development, and a supportive environment where your analytical skills shine.
Responsibilities
- Analyze financial statements, credit reports, and market data to assess borrower risk profiles
- Prepare comprehensive credit memos and risk assessments for loan committees
- Monitor existing portfolios and identify early warning signs of potential defaults
- Collaborate with commercial lenders to structure optimal financing solutions
- Stay updated on industry regulations and compliance requirements
- Develop risk mitigation strategies and recommend credit terms
- Utilize financial modeling software to forecast scenarios
Qualifications
- Bachelor's degree in Finance, Accounting, or Business Administration
- 3+ years of credit analysis or underwriting experience
- Advanced proficiency in Excel and financial modeling tools
- Credit certification (CRCM, CMB) or equivalent preferred
- Strong analytical and quantitative reasoning skills
- Excellent communication and presentation abilities
- Ability to work independently with flexible hours
- Knowledge of local Texas market dynamics preferred