Job Description
Border Financial Solutions is seeking a highly analytical Senior Credit Analyst to join our dynamic team in El Paso. As a key member of our risk management division, you'll evaluate creditworthiness, assess financial risks, and support strategic lending decisions. This role offers competitive compensation, comprehensive benefits, and opportunities for career growth in a thriving border economy.
Our ideal candidate possesses strong financial modeling skills, attention to detail, and the ability to thrive in a fast-paced environment. You'll collaborate with cross-functional teams while maintaining compliance with federal regulations and internal policies. Join us to make a tangible impact on our community's financial health.
Responsibilities
- Analyze financial statements, credit reports, and market trends to assess borrower risk profiles
- Prepare detailed credit analyses and risk assessments for commercial and industrial loans
- Recommend credit approval/rejection decisions with clear justification
- Monitor existing loan portfolios for early risk detection and mitigation
- Develop and maintain strong relationships with banking partners and clients
- Ensure compliance with OCC, FDIC, and internal credit policies
- Contribute to process improvements in credit analysis workflows
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field
- 3+ years of commercial credit analysis experience
- Advanced proficiency in financial modeling software (e.g., Moody's Analytics, Bloomberg)
- Strong knowledge of GAAP, GAAS, and credit underwriting principles
- Excellent analytical skills with attention to detail and accuracy
- Professional certification (CRCM, CMB, or CFA) preferred
- Bilingual (English/Spanish) communication skills required
- Experience with SBA loan processing a plus