Job Description
Join our dynamic finance team as a Senior Credit Analyst and drive critical financial decisions with your analytical expertise. This remote-friendly role allows you to work from anywhere while collaborating with our Santa Ana-based team. You'll evaluate creditworthiness, assess financial risks, and contribute to our mission of fostering sustainable growth through sound lending practices. Enjoy competitive compensation, comprehensive benefits, and opportunities for professional development in a supportive environment.
Responsibilities
- Analyze financial statements, credit reports, and market trends to assess borrower risk profiles
- Prepare detailed credit memos and risk assessment reports for loan committees
- Monitor existing loan portfolios and identify potential early warning indicators
- Collaborate with sales teams to structure credit solutions aligned with client needs
- Ensure compliance with regulatory requirements and internal credit policies
- Develop financial models for cash flow projections and scenario analysis
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field
- 5+ years of credit analysis experience in commercial or consumer lending
- Advanced proficiency in Excel and financial modeling software
- Credit Risk Management Certification (CRCM) or equivalent preferred
- Strong understanding of FICO scoring, debt service coverage ratios, and covenant structures
- Exceptional analytical skills with attention to detail
- Ability to work independently and manage multiple deadlines