Job Description
Join our dynamic team as a Senior Credit Analyst in Chula Vista, CA, where we champion remote-first flexibility without compromising collaboration. This hybrid role combines the autonomy of remote work with quarterly in-person team building at our modern waterfront office. You'll evaluate commercial loan applications, assess credit risk, and contribute to our mission of empowering local businesses through strategic financial partnerships.
We offer comprehensive benefits including health insurance, 401(k) matching, and professional development stipends. Our culture values work-life balance, innovation, and continuous learning.
Responsibilities
- Analyze complex commercial credit applications and financial statements to determine risk profiles
- Prepare detailed credit reports and recommendations for loan approval committees
- Monitor existing credit portfolios and identify early warning signs of potential defaults
- Collaborate with relationship managers to structure optimal financing solutions
- Stay current on industry regulations and economic trends affecting credit markets
- Maintain accurate documentation in compliance with federal banking regulations
Qualifications
- Bachelor's degree in Finance, Accounting, or related field (MBA preferred)
- 5+ years of commercial credit analysis experience in banking or lending
- Strong proficiency in financial modeling software (e.g., Moody's Analytics, Bloomberg)
- Credit certification (CRCM or equivalent) highly desirable
- Exceptional analytical skills with attention to detail
- Proven ability to interpret complex financial documents
- Excellent written and verbal communication skills