Job Description
Join our dynamic finance team at Pacific Financial Partners, where we're revolutionizing credit risk assessment in the fintech space. As a Senior Credit Analyst, you'll leverage cutting-edge analytics to evaluate commercial loan applications, directly impacting our $2B+ portfolio. Enjoy unparalleled career growth in our collaborative, data-driven environment with comprehensive benefits including equity options and flexible work arrangements.
Responsibilities
- Analyze complex commercial credit applications using advanced financial modeling and risk assessment frameworks
- Prepare detailed credit memos and risk mitigation strategies for executive review
- Monitor portfolio performance and identify early warning indicators of potential defaults
- Collaborate with cross-functional teams to optimize credit policies and underwriting guidelines
- Present findings to credit committees using data visualization tools
- Stay current on regulatory changes and industry best practices in credit risk management
Qualifications
- Bachelor's degree in Finance, Economics, or related field (MBA preferred)
- 5+ years of commercial credit analysis experience with portfolio exposure
- Advanced proficiency in financial modeling (DCF, LBO, ratio analysis)
- Expertise in credit scoring models and risk rating systems
- Strong SQL/Excel skills with ability to work with large datasets
- Professional certification (CRCM, CFA, or FRM) highly valued
- Exceptional analytical thinking and communication abilities