Job Description
Join our award-winning financial institution as a Senior Credit Analyst and become the cornerstone of our lending operations. We're seeking a detail-oriented finance professional to evaluate creditworthiness, mitigate financial risks, and drive informed lending decisions in Kentucky's thriving business landscape. This direct hire opportunity offers career growth, comprehensive benefits, and the chance to impact local economic development.
At Bluegrass Financial Partners, we value analytical rigor, ethical judgment, and collaborative excellence. You'll work with a dynamic team supporting commercial and industrial clients across diverse sectors. Our culture fosters professional development through continuous training and mentorship from industry veterans.
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 relationship managers to structure optimal lending solutions
- Monitor existing portfolios for early risk identification and compliance adherence
- Conduct site visits and due diligence to verify financial information and business operations
- Develop credit models and scoring systems to enhance decision accuracy
- Maintain meticulous documentation and ensure regulatory compliance
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field (MBA preferred)
- 5+ years of commercial credit analysis experience in banking or lending
- Expertise in financial statement analysis, cash flow modeling, and risk assessment
- Proficiency in Excel, SQL, and credit software (e.g., Moody's Analytics, FICO)
- Strong understanding of SEC regulations, GAAP, and lending compliance standards
- Exceptional analytical skills with attention to detail and accuracy
- Excellent written and verbal communication skills for stakeholder presentations