Job Description
Join our dynamic finance team as a Senior Credit Analyst and unlock your potential in a remote-friendly environment. At Apex Financial Partners, we empower professionals to thrive while making impactful financial decisions. This hybrid role offers flexibility with 3 days remote work weekly, competitive benefits, and growth opportunities in Bakersfield's thriving financial sector. You'll analyze creditworthiness, mitigate risks, and contribute to our mission of supporting local businesses with strategic financial solutions.
Why Join Us?
• Competitive salary + performance bonuses
• Comprehensive health & retirement plans
• Professional development stipend
• Collaborative culture with monthly in-office meetups
Responsibilities
- Analyze financial statements, credit reports, and market trends to assess borrower risk profiles
- Prepare detailed credit recommendations and risk mitigation strategies for portfolio review
- Monitor existing loan portfolios and identify early warning signs of potential defaults
- Collaborate with lending teams to structure optimal credit solutions for commercial clients
- Stay current with regulatory compliance (FIRREA, BSA, and state lending laws)
- Develop and maintain automated credit scoring models using Excel and SQL
- Present complex financial analyses to senior leadership during credit committee meetings
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field
- 5+ years of commercial credit analysis experience with portfolio exposure
- Advanced proficiency in financial modeling (DCF, ratio analysis, cash flow projections)
- Credit certification (CRCM, CMB) or equivalent professional designation preferred
- Expert knowledge of industry-specific risk factors in Central Valley agriculture/manufacturing
- Proven ability to interpret complex financial documents and legal collateral agreements
- Exceptional attention to detail with demonstrated accuracy in high-stakes decision-making
- Strong remote collaboration skills using MS Teams and CRM platforms