Job Description
Join our award-winning finance team at Pacific Capital Partners, a leading commercial lender in Southern California. We're seeking a detail-oriented Senior Credit Analyst to evaluate creditworthiness and mitigate financial risks for our diverse portfolio of corporate clients. This hybrid role combines strategic financial analysis with client relationship management in our modern Irvine headquarters. Enjoy competitive benefits, professional development opportunities, and a collaborative culture that values innovation.
Responsibilities
- Analyze financial statements, market trends, and industry risks to assess loan applications
- Prepare comprehensive credit memos and risk mitigation strategies
- Monitor existing loan portfolios and identify early warning signals
- Collaborate with portfolio managers to structure complex financing solutions
- Stay updated on regulatory changes affecting credit operations
- Mentor junior analysts and improve credit evaluation processes
Qualifications
- Bachelor's degree in Finance, Accounting, or Business Economics
- 5+ years of commercial credit analysis experience
- Advanced proficiency in Excel and financial modeling software
- Strong understanding of cash flow analysis and leverage ratios
- Experience with SBA lending and commercial real estate financing
- CFP/CFA designation or equivalent certification preferred
- Exceptional attention to detail and problem-solving abilities