Job Description
Join our dynamic finance team as a Senior Credit Analyst in sunny San Antonio! We're seeking a detail-oriented professional to evaluate creditworthiness and drive financial decision-making. This 100% remote-friendly role offers flexibility while collaborating with our Texas-based experts. Enjoy competitive compensation, comprehensive benefits, and career growth in a thriving financial hub.
As a key member of our risk management division, you'll analyze complex financial data, prepare credit reports, and recommend lending strategies. Your insights will directly impact our portfolio's health and profitability. We value innovation and welcome candidates who can bring fresh perspectives to our established processes.
Responsibilities
- Analyze financial statements, cash flows, and industry trends to assess borrower creditworthiness
- Prepare comprehensive credit reports with detailed risk assessments and recommendations
- Collaborate with lending teams to structure optimal credit solutions
- Monitor existing portfolios for early risk detection and compliance adherence
- Stay updated on regulatory changes affecting credit operations
- Present findings to credit committees with clear, data-driven insights
- Develop and maintain robust financial models for risk forecasting
Qualifications
- Bachelor's degree in Finance, Accounting, or Business (MBA/CFA preferred)
- 5+ years of credit analysis experience in commercial or consumer lending
- Expertise in financial statement analysis and ratio interpretation
- Advanced proficiency in Excel, financial modeling, and credit software
- Strong understanding of FICO scoring and industry risk metrics
- Certified Credit Professional (CCP) or equivalent designation preferred
- Exceptional analytical skills with attention to detail
- Proven ability to communicate complex financial concepts clearly