Job Description
Join our dynamic finance team at Austin Financial Solutions as a Senior Credit Analyst and accelerate your career in the heart of Texas' thriving financial hub. We're offering an exclusive sign-on bonus for qualified candidates who bring expertise in risk assessment and financial analysis to our innovative team. This role presents a unique opportunity to shape credit strategies while working with industry leaders in a collaborative, growth-oriented environment.
As a cornerstone of our credit operations, you'll evaluate complex financial scenarios, safeguard our lending portfolio, and contribute to strategic decision-making. We provide comprehensive training, mentorship, and a clear path for advancement within our expanding organization.
Responsibilities
- Analyze financial statements, credit reports, and market trends to assess creditworthiness and risk exposure
- Prepare detailed credit memos and recommendations for loan approvals, modifications, or restructurings
- Monitor existing credit portfolios for compliance with covenants and identify early warning signals
- Collaborate with commercial lending teams to structure credit facilities aligned with client needs
- Develop and maintain risk models for quantitative and qualitative credit analysis
- Present findings to credit committees and senior leadership with clear, actionable insights
- Stay current on regulatory requirements and industry best practices in credit risk management
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field (MBA or CFA preferred)
- 4+ years of progressive credit analysis experience in commercial or consumer lending
- Expertise in financial statement analysis, cash flow modeling, and ratio analysis
- Proficiency with credit software (e.g., Moody's Analytics, RiskCalc) and advanced Excel skills
- Strong understanding of banking regulations and credit risk frameworks
- Exceptional analytical thinking and problem-solving abilities
- Excellent communication skills with ability to articulate complex financial concepts
- Proven track record of managing credit portfolios with low delinquency rates