Job Description
Join Delta Financial Services as a Part-Time Credit Analyst and become an integral part of our dynamic finance team. We're seeking a detail-oriented professional to evaluate creditworthiness, analyze financial statements, and support our lending operations in the vibrant Stockton market. This flexible role offers an excellent opportunity to apply your analytical skills while maintaining work-life balance.
Our ideal candidate thrives in collaborative environments and brings a passion for financial accuracy. You'll work with cutting-edge financial tools while contributing to our mission of providing secure, client-focused financial solutions. This position includes competitive compensation and professional development opportunities.
Responsibilities
- Analyze financial statements, credit reports, and market trends to assess borrower risk profiles
- Prepare detailed credit memos and risk assessments for loan approval committees
- Monitor existing credit portfolios and identify potential mitigation opportunities
- Collaborate with loan officers to structure credit terms aligned with risk parameters
- Maintain accurate documentation in compliance with regulatory requirements
- Conduct industry research to support credit decisions and market analysis
- Provide ongoing support for portfolio management and collections processes
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field
- 2+ years of credit analysis or underwriting experience
- Proficiency in financial modeling software (e.g., Excel, Bloomberg)
- Strong knowledge of credit risk assessment methodologies
- Familiarity with banking regulations (Regulations B, Z, and E)
- Exceptional analytical and problem-solving abilities
- Excellent written and verbal communication skills
- Ability to work independently with minimal supervision