Job Description
Join our award-winning financial team at Capital Financial Solutions and make an immediate impact! We're seeking a detail-driven Senior Credit Analyst to start tomorrow in our Sacramento headquarters. This is your chance to leverage your financial expertise in a fast-paced environment where your analytical skills directly shape our lending decisions.
As a cornerstone of our credit operations, you'll evaluate complex financial statements, assess risk profiles, and recommend credit strategies for mid-market businesses. We offer comprehensive benefits including health insurance, 401k matching, and professional development stipends. Work with industry leaders while enjoying Sacramento's vibrant culture and competitive cost of living.
Responsibilities
- Analyze financial statements, cash flows, and industry trends to assess creditworthiness
- Prepare detailed credit reports with risk assessments and lending recommendations
- Monitor existing portfolios for compliance and identify early warning signals
- Collaborate with underwriting teams to structure optimal credit facilities
- Stay updated on regulatory changes affecting credit operations
- Present findings to credit committees and senior leadership
Qualifications
- Bachelor's degree in Finance, Accounting, or Economics (MBA preferred)
- 3+ years of commercial credit analysis experience
- Expertise in financial modeling and ratio analysis
- Proficiency in Excel, SQL, and credit scoring software
- Strong understanding of GAAP and regulatory compliance
- Certified Credit Professional (CCP) designation a plus