Job Description
Are you a detail-oriented financial professional looking for an immediate opportunity?
Apex Financial Solutions is seeking a highly skilled Credit Analyst to join our dynamic team in St. Petersburg, FL. We are committed to excellence in financial risk management and are looking for a candidate ready to make an immediate impact. If you possess a sharp analytical mind and a passion for finance, we want to hear from you.
Why Join Us?
- Immediate Start: Join our team immediately and hit the ground running.
- Competitive Compensation: Earn a competitive salary ranging from $55,000 to $75,000 based on experience.
- Modern Environment: Work in a collaborative, forward-thinking office culture in the heart of St. Petersburg.
Job Summary:
The Credit Analyst will be responsible for evaluating creditworthiness, analyzing financial data, and making recommendations that minimize risk while supporting business growth. This role requires a deep understanding of financial statements and industry trends.
Responsibilities
- Analyze the financial health and creditworthiness of potential and existing clients to determine approval risk.
- Review loan applications, financial statements, and credit reports to assess repayment capacity.
- Prepare comprehensive credit memos and risk assessments for senior management review.
- Monitor portfolio performance and identify early warning signs of default.
- Collaborate with the underwriting and sales teams to facilitate timely loan decisions.
- Ensure compliance with all federal and state banking regulations and internal policies.
- Utilize advanced financial modeling techniques to forecast economic trends and their impact on the portfolio.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field (Master’s degree preferred).
- Minimum of 2-3 years of experience in credit analysis, underwriting, or risk management.
- Strong proficiency in Microsoft Excel (Pivot Tables, VLOOKUP) and financial modeling software.
- Experience with credit scoring software and loan origination systems is highly desirable.
- Excellent analytical skills with the ability to interpret complex financial data accurately.
- Strong attention to detail and exceptional organizational skills.
- Effective communication skills, both verbal and written, with the ability to present findings clearly.