Job Description
We are seeking a highly analytical Credit Analyst to join our dynamic team in Fresno, CA. In this pivotal role, you will evaluate financial data and assess borrower risk to ensure sound credit decisions that drive our growth.
At Meridian Financial Group, we pride ourselves on offering a remote-friendly work environment, allowing you to balance professional excellence with work-life balance.
Why Join Us?
- Competitive salary and comprehensive benefits package.
- Flexible remote work options for eligible roles.
- Professional development and career advancement opportunities.
- Supportive and collaborative team culture.
Job Summary:
The ideal candidate will have a keen eye for detail and a strong background in financial analysis. You will be responsible for reviewing loan applications, analyzing financial statements, and providing actionable insights to the credit committee.
Responsibilities
- Analyze financial statements, credit reports, and collateral to assess borrower risk and repayment capacity.
- Prepare detailed credit memos and make recommendations on credit approvals, extensions, or declines.
- Monitor existing accounts for early warning signs of financial distress and delinquency.
- Develop and maintain credit scoring models and internal credit databases.
- Collaborate with underwriting and loan origination teams to streamline the credit approval process.
- Stay updated on industry trends and regulatory changes affecting credit policy.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or related field (MBA preferred).
- 3+ years of experience in credit analysis, commercial lending, or risk assessment.
- Strong proficiency in Microsoft Excel (VLOOKUP, Pivot Tables) and financial modeling.
- Excellent analytical skills with a proven ability to interpret complex data.
- Ability to work independently and communicate effectively in a remote or hybrid environment.