Job Description
Are you a meticulous financial professional looking for a flexible career opportunity? Legacy Financial Services is currently seeking a highly skilled Part-Time Credit Analyst to join our dynamic team in Toledo, Ohio.
In this role, you will play a critical role in our lending process, ensuring that we extend credit responsibly while supporting our clients' financial growth. You will leverage your expertise to evaluate creditworthiness and mitigate risk in a fast-paced environment.
Join us and enjoy the benefits of a part-time schedule without compromising on professional development and impact.
Responsibilities
- Conduct comprehensive credit risk assessments for new and existing loan applications.
- Analyze financial statements, credit reports, and cash flow data to determine borrower eligibility.
- Calculate key financial ratios and debt service coverage ratios.
- Prepare detailed credit memos and recommendations for the underwriting committee.
- Monitor accounts for early warning signs of default and recommend remedial actions.
- Maintain and update the internal credit database with accurate and timely information.
- Collaborate with the sales team to provide credit solutions that meet client needs.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- Minimum of 2 years of experience in credit analysis or a similar financial role.
- Proficiency in Microsoft Office Suite, specifically Excel and Word.
- Strong analytical skills with the ability to interpret complex financial data.
- Excellent written and verbal communication skills.
- Ability to work independently in a part-time capacity while meeting strict deadlines.
- Familiarity with credit scoring models (e.g., FICO, VantageScore) is a plus.