Job Description
Are you a detail-oriented financial professional looking to drive growth and mitigate risk? Apex Financial Solutions is actively seeking a Senior Credit Analyst to join our expanding team in Newark, NJ. In this role, you will be responsible for evaluating loan applications, managing credit portfolios, and ensuring compliance with banking regulations. If you have a sharp eye for financial data and a passion for strategic decision-making, we want to hear from you.
Why Join Us?
- Competitive Compensation: Base salary ranging from $70,000 to $90,000 depending on experience.
- Comprehensive Benefits: Health, dental, and vision insurance starting day one.
- Professional Growth: Access to ongoing training and career advancement opportunities.
- Modern Work Environment: Collaborative culture located in the heart of Newark's financial district.
The Role
As a Credit Analyst, you will serve as the gatekeeper for our lending processes. You will analyze financial statements, assess borrower capacity, and recommend credit decisions that align with our risk appetite. This is a high-impact role requiring a blend of analytical rigor and effective communication.
Responsibilities
- Perform in-depth analysis of financial statements, cash flow, and collateral to assess borrower creditworthiness.
- Prepare and present credit memos and recommendations to the credit committee.
- Monitor existing loan portfolios for early signs of default and proactively manage risk.
- Stay abreast of changing market conditions, economic trends, and regulatory requirements.
- Collaborate with sales and underwriting teams to structure complex financing solutions.
- Ensure all documentation and loan files are complete, accurate, and compliant with internal policies.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field (Master’s degree preferred).
- 3+ years of experience in credit analysis, risk management, or commercial lending.
- Strong proficiency in Microsoft Excel (pivot tables, VLOOKUP, financial modeling) and financial reporting software.
- Experience with banking regulations and risk assessment methodologies.
- Excellent analytical skills with a high attention to detail.
- Strong verbal and written communication skills for client and stakeholder presentations.