Job Description
Join our dynamic finance team as a Senior Credit Analyst in Charlotte's thriving financial district. You'll be instrumental in evaluating credit risk, driving portfolio growth, and shaping lending strategies for our expanding client base. This role offers exceptional career progression in a collaborative, data-driven environment.
Responsibilities
- Analyze complex financial statements, cash flows, and creditworthiness of commercial borrowers
- Prepare detailed credit recommendations and risk assessments for senior leadership
- Monitor existing portfolios and identify early warning signs of potential defaults
- Collaborate with relationship managers to structure optimal credit solutions
- Stay current with industry regulations and economic trends impacting credit decisions
- Mentor junior analysts and refine departmental credit policies
Qualifications
- Bachelor's degree in Finance, Accounting, or Business (MBA preferred)
- 5+ years of commercial credit analysis experience in banking/lending
- Advanced proficiency in Excel, SQL, and financial modeling tools
- Strong knowledge of FASB, GAAP, and risk management frameworks
- Excellent analytical skills with attention to detail
- Ability to communicate complex financial concepts clearly