Job Description
Join our dynamic finance team as a Part-Time Credit Analyst where your expertise directly shapes our lending decisions. We offer flexible hours and a collaborative environment for professionals seeking impactful work-life balance. This role provides exposure to commercial credit evaluation, financial modeling, and risk mitigation strategies within a community-focused institution.
Responsibilities
- Analyze financial statements, credit reports, and market data to assess borrower creditworthiness
- Prepare detailed credit memos and risk evaluations for commercial loan applications
- Monitor existing portfolios for potential delinquencies and recommend corrective actions
- Collaborate with loan officers to structure credit facilities aligned with client needs
- Ensure compliance with banking regulations and internal credit policies
- Utilize financial modeling tools to project cash flows and debt service capacity
Qualifications
- Bachelor's degree in Finance, Accounting, Business, or related field
- 2+ years of credit analysis or commercial lending experience
- Advanced proficiency in Excel (VLOOKUP, pivot tables) and financial modeling
- Strong understanding of GAAP, cash flow analysis, and debt covenants
- Excellent written communication skills for credit documentation
- Ability to work independently with minimal supervision in a part-time capacity