Job Description
Join our elite finance team in San Diego as a Senior Credit Analyst and drive critical lending decisions for high-profile clients. We're seeking a detail-oriented professional with a passion for financial analysis to evaluate creditworthiness, assess risk factors, and recommend strategic solutions. Enjoy competitive compensation, comprehensive benefits, and a collaborative environment in the heart of San Diego's thriving financial district. This direct hire opportunity offers rapid career growth and the chance to work with industry leaders in commercial lending.
Responsibilities
- Analyze financial statements, cash flows, and credit risk metrics for commercial clients
- Prepare detailed credit memos and risk assessments for loan approval committees
- Monitor portfolio performance and identify early warning signals for potential defaults
- Collaborate with relationship managers to structure complex financing solutions
- Stay updated on industry regulations and economic trends affecting credit decisions
- Lead credit training sessions for junior analysts and cross-functional teams
Qualifications
- Bachelor's degree in Finance, Accounting, or related field (MBA preferred)
- 5+ years of commercial credit analysis experience in banking/lending
- Strong proficiency in financial modeling software (e.g., Moody's, Bloomberg)
- Expertise in assessing S corporations, LLCs, and mid-market enterprises
- Credit certification (CRCM or CCE) highly desirable
- Exceptional analytical skills with attention to detail and accuracy
- Proven track record in managing credit portfolios $50M+