Job Description
We are seeking a highly skilled and detail-oriented Remote Credit Analyst to join our dynamic team in Lubbock, TX. In this pivotal role, you will play a key part in evaluating creditworthiness, mitigating risk, and supporting our lending strategies. We offer a competitive benefits package and the flexibility of a remote-first work environment.
Responsibilities
- Conduct thorough analysis of financial statements and credit applications to assess borrower risk.
- Prepare comprehensive credit memos and recommendation reports for loan committees.
- Monitor existing loan portfolios to identify early warning signs of default.
- Collaborate with underwriting teams to structure loans that align with company policies.
- Ensure all credit analysis complies with federal and state regulations.
- Utilize financial modeling software to project cash flows and repayment capabilities.
Qualifications
- Bachelor’s degree in Finance, Accounting, or related field required.
- Minimum of 2-3 years of experience in credit analysis or commercial lending.
- Proficiency in Microsoft Office Suite, especially Excel and PowerPoint.
- Strong understanding of financial ratios and industry benchmarks.
- Excellent analytical and problem-solving skills with a keen attention to detail.
- Ability to work independently in a remote setting with strict deadlines.