Job Description
Join our dynamic finance team as a Senior Credit Analyst at Baltimore Financial Group. We're seeking a detail-oriented professional to evaluate commercial loan applications, assess risk profiles, and support our growing portfolio in the Baltimore metropolitan area. Enjoy competitive compensation, comprehensive benefits, and opportunities for career advancement in a collaborative environment.
Responsibilities
- Analyze financial statements, credit reports, and industry trends to assess borrower risk
- Prepare comprehensive credit memos and risk assessment reports for loan committees
- Monitor existing loan portfolios for compliance and early warning indicators
- Collaborate with relationship managers to structure complex financing solutions
- Stay current on regulatory requirements (FIRREA, BSA) and internal credit policies
- Present credit recommendations to senior leadership with clear rationale
Qualifications
- Bachelor's degree in Finance, Accounting, or Business (MBA preferred)
- 5+ years of commercial credit analysis experience
- Advanced proficiency in financial modeling and Excel
- Strong knowledge of commercial lending regulations and risk frameworks
- Credit certification (CRCM, CMB) highly desirable
- Exceptional analytical and communication skills
- Experience with loan origination systems (e.g., Fiserv, Jack Henry)