Job Description
Join our dynamic finance team at Pacific Financial Partners in the heart of San Jose! We're seeking a detail-oriented Credit Analyst to evaluate loan applications and assess creditworthiness for our diverse portfolio. This immediate hire opportunity offers competitive compensation, comprehensive benefits, and the chance to make a tangible impact in a fast-paced environment.
As a key member of our credit risk division, you'll leverage your analytical skills to support informed lending decisions while collaborating with cross-functional teams. Our commitment to professional development ensures continuous growth opportunities in this critical finance role.
Responsibilities
- Analyze financial statements, credit reports, and market data to evaluate borrower creditworthiness
- Prepare detailed credit memos and risk assessments for loan committees
- Monitor existing portfolios for potential risk indicators and recommend mitigation strategies
- Collaborate with relationship managers to structure optimal credit solutions
- Ensure compliance with internal policies and regulatory requirements
- Contribute to process improvements in credit analysis workflows
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field
- 3+ years of credit analysis or commercial lending experience
- Advanced proficiency in financial modeling and Excel
- Strong understanding of cash flow analysis and industry risk factors
- Credit certification (CRCM, CMBL) or equivalent preferred
- Excellent analytical and decision-making abilities
- Strong communication skills for presenting complex financial information