Job Description
Join our dynamic finance team as a Senior Credit Analyst and shape the future of lending excellence at Capital Growth Financial Group. In this pivotal role, you'll evaluate complex credit applications, mitigate financial risks, and directly influence our portfolio's profitability. We offer competitive compensation, comprehensive benefits, and clear pathways for career advancement in Sacramento's thriving financial sector.
Responsibilities
- Analyze financial statements, cash flows, and industry trends to assess borrower creditworthiness
- Prepare detailed credit memos and risk assessments for commercial and industrial loans
- Collaborate with relationship managers to structure optimal credit solutions
- Monitor existing portfolios and recommend proactive risk mitigation strategies
- Ensure strict compliance with federal and state lending regulations
- Lead cross-departmental initiatives to enhance credit approval workflows
- Mentor junior analysts to develop next-generation credit expertise
Qualifications
- Bachelor's degree in Finance, Accounting, or Economics (MBA preferred)
- 5+ years of commercial credit analysis experience
- Advanced proficiency in Excel and credit modeling software
- Deep knowledge of GAAP, FASB, and banking regulations
- Proven ability to interpret complex financial data and market conditions
- Strong negotiation skills with stakeholders at all levels
- Professional certification (CFA, CRCM, or CCM) highly desirable