Job Description
Join our dynamic finance team at Horizon Financial Partners as a Senior Credit Analyst in Charlotte's thriving banking sector. We're seeking a detail-oriented professional to evaluate creditworthiness, manage risk portfolios, and drive data-driven lending decisions. Enjoy competitive compensation, comprehensive benefits, and opportunities for career growth in one of America's fastest-growing financial hubs.
Responsibilities
- Analyze financial statements and credit data to assess borrower risk profiles
- Prepare detailed credit memos and risk assessment reports for loan committees
- Monitor existing portfolios for compliance and early risk identification
- Collaborate with commercial lenders to structure optimal credit solutions
- Stay updated on industry regulations and economic trends affecting credit markets
- Implement credit scoring models and enhance underwriting automation
Qualifications
- Bachelor's degree in Finance, Accounting, or related field (MBA preferred)
- 5+ years of commercial credit analysis experience in banking/lending
- Advanced proficiency in Excel and financial modeling software
- Strong knowledge of GAAP, risk management frameworks, and credit regulations
- Excellent analytical skills with attention to financial detail
- Experience with credit scoring models (e.g., Altman Z-score, FICO)
- Strong communication skills for presenting complex credit analyses