Job Description
Join our award-winning financial team as a Senior Credit Analyst in Lubbock, TX! We're seeking a detail-oriented professional to drive our credit evaluation strategies with exceptional analytical precision. Enjoy competitive compensation, comprehensive benefits, and a dynamic work environment that values your expertise in financial risk assessment and portfolio management.
Responsibilities
- Analyze financial statements and credit data to determine risk exposure for loan applications
- Prepare detailed credit reports with actionable recommendations for senior leadership
- Monitor existing loan portfolios and identify early warning signals for potential defaults
- Collaborate with commercial lending teams to structure optimal credit solutions
- Stay current on industry regulations and compliance requirements affecting credit operations
- Lead cross-departmental initiatives to streamline credit approval workflows
Qualifications
- Bachelor's degree in Finance, Accounting, or Business Administration (MBA preferred)
- 5+ years of progressive credit analysis experience in banking or financial services
- Advanced proficiency in financial modeling software and Excel (VBA a plus)
- Deep understanding of cash flow analysis, collateral evaluation, and industry risk factors
- Professional certification (CFA, FRM, or CRCM) highly desirable
- Proven track record of reducing portfolio risk while maintaining growth objectives