Job Description
Join our dynamic finance team as a Part-Time Credit Analyst in Stockton, CA. This role offers flexible hours while allowing you to leverage your financial expertise to drive strategic decision-making. We're seeking a detail-oriented professional to evaluate creditworthiness, assess risk, and support our lending operations. Enjoy competitive compensation and the opportunity to grow your career in finance while maintaining work-life balance.
Responsibilities
- Analyze financial statements, credit reports, and market trends to assess borrower risk
- Prepare detailed credit memos and risk evaluation reports for senior leadership
- Monitor existing credit portfolios and identify potential delinquencies early
- Collaborate with sales teams to structure appropriate credit terms for clients
- Ensure compliance with federal lending regulations and internal policies
- Utilize financial modeling tools to forecast repayment scenarios
- Communicate credit decisions clearly to stakeholders
Qualifications
- Bachelor's degree in Finance, Accounting, or related field
- 2+ years of credit analysis or underwriting experience
- Proficiency in financial software (e.g., Bloomberg, Moody's Analytics)
- Advanced Excel skills including VLOOKUP, pivot tables, and financial modeling
- Strong understanding of GAAP and credit risk assessment methodologies
- Excellent analytical and problem-solving abilities
- Effective communication and presentation skills
- Ability to work independently with minimal supervision