Job Description
Join our dynamic finance team at Golden State Financial Services as a Senior Credit Analyst. We're seeking a detail-oriented professional to evaluate creditworthiness, manage risk portfolios, and drive financial decision-making in Bakersfield's thriving agribusiness sector. Enjoy competitive compensation, comprehensive benefits, and opportunities for career advancement in a supportive environment.
Responsibilities
- Analyze financial statements and credit applications to assess borrower risk profiles
- Prepare detailed credit reports and recommend loan structures within compliance guidelines
- Monitor existing portfolios for early risk detection and proactive mitigation strategies
- Collaborate with loan officers to structure optimal financing solutions for diverse clients
- Stay updated on industry regulations and implement best practices in credit analysis
- Lead cross-functional meetings to present risk assessments and decision recommendations
Qualifications
- Bachelor's degree in Finance, Accounting, or Business Administration required
- 3+ years of commercial credit analysis experience in agribusiness or regional lending
- Proficiency in credit underwriting software and financial modeling tools
- Strong analytical skills with attention to detail and regulatory compliance knowledge
- Excellent communication skills for presenting complex financial information
- Professional certification (CRCM, CMB) or progress toward certification preferred