Job Description
Are you a detail-oriented financial strategist looking to make a tangible impact? Apex Financial Solutions is seeking a top-tier Credit Analyst to join our dynamic team in the heart of Durham, NC. In this pivotal role, you will drive our lending decisions by conducting rigorous financial analysis, mitigating risk, and supporting our mission to foster economic growth.
At Apex, we believe in a culture of transparency, innovation, and professional excellence. As a Credit Analyst, you will work closely with senior leadership and cross-functional teams to assess creditworthiness, develop strategic credit policies, and ensure compliance with industry regulations. We offer a competitive benefits package, opportunities for continuous learning, and a collaborative environment where your analytical skills will truly shine.
Why Join Us?
- Competitive salary and performance-based bonuses.
- Comprehensive health, dental, and vision insurance.
- Generous 401(k) matching program.
- Flexible work arrangements and professional development stipends.
Responsibilities
- Conduct comprehensive financial analysis of prospective and existing clients, including reviewing balance sheets, income statements, and cash flow statements.
- Assess creditworthiness and risk profiles using industry-standard models and methodologies.
- Prepare and present detailed credit memos and recommendations to the credit committee.
- Monitor and manage existing credit facilities to ensure compliance with covenants and financial health.
- Develop and maintain internal credit policy documentation and guidelines.
- Collaborate with the sales and loan origination teams to provide expert guidance on credit applications.
- Identify trends in the market that may impact credit risk and recommend strategic adjustments.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field (Master’s degree preferred).
- 3+ years of proven experience in credit analysis, risk assessment, or financial underwriting.
- Strong proficiency in Microsoft Excel (VLOOKUP, Pivot Tables, Macros) and financial modeling.
- Familiarity with credit risk management software (e.g., SAP, Oracle, or similar) is a plus.
- Excellent analytical problem-solving skills with a keen attention to detail.
- Strong written and verbal communication skills, capable of presenting complex data to non-financial stakeholders.
- Ability to work independently and manage multiple priorities in a fast-paced environment.