Job Description
We're seeking a detail-driven Senior Credit Analyst to join our dynamic finance team in Fresno, CA. You'll be pivotal in safeguarding our portfolio by evaluating creditworthiness, identifying risks, and supporting strategic lending decisions. This role offers competitive compensation, comprehensive benefits, and clear pathways for career advancement within a respected financial institution.
Responsibilities
- Analyze complex financial statements, credit reports, and market trends to assess borrower risk profiles
- Prepare comprehensive credit memos with actionable recommendations for loan approvals/modifications
- Monitor existing portfolios to identify early warning signs of potential defaults
- Collaborate with lending officers to structure optimal financing solutions
- Ensure strict adherence to regulatory compliance standards and internal policies
- Develop risk mitigation strategies and maintain accurate documentation
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field required
- 3+ years of commercial credit analysis or underwriting experience
- Expertise in interpreting financial statements and cash flow projections
- Proficiency with credit analysis software (e.g., Moody's, RiskCalc) and advanced Excel skills
- Strong analytical reasoning with attention to detail
- FCRA/FDIC compliance knowledge preferred