Job Description
Join Sacramento Financial Partners as a Senior Credit Analyst and shape the future of lending excellence in California's capital. We're seeking a detail-oriented finance professional to evaluate creditworthiness, mitigate risks, and drive informed lending decisions in our dynamic banking environment. Enjoy competitive benefits, career advancement opportunities, and a collaborative culture that values analytical precision.
Responsibilities
- Analyze financial statements, cash flows, and collateral to assess borrower creditworthiness
- Prepare comprehensive credit memos and risk evaluations for commercial and industrial loans
- Monitor existing loan portfolios and identify early warning signs of potential defaults
- Collaborate with relationship managers to structure optimal financing solutions
- Ensure compliance with regulatory requirements and internal credit policies
- Utilize advanced financial modeling tools to project repayment scenarios
Qualifications
- Bachelor's degree in Finance, Accounting, or related field (MBA preferred)
- 5+ years of commercial credit analysis experience in banking or lending
- Expertise in financial statement analysis and ratio interpretation
- Proficiency in credit risk software (e.g., Moody's Analytics, FICO)
- Strong Excel modeling skills with advanced formula knowledge
- Series 63 or 7 license (or willingness to obtain)
- Deep understanding of California lending regulations