Job Description
Join Sacramento Financial Partners as a Senior Credit Analyst and become the cornerstone of our risk management strategy. In this pivotal role, you'll evaluate commercial loan applications, assess borrower creditworthiness, and safeguard our portfolio against potential defaults. We're seeking a detail-oriented professional with a passion for financial analysis to drive our Sacramento operations forward. Enjoy competitive compensation, comprehensive benefits, and a dynamic work environment in California's capital.
Responsibilities
- Analyze complex financial statements and cash flow projections to determine credit risk
- Prepare detailed credit reports and recommendations for loan committees
- Monitor existing portfolios for early warning signs of financial distress
- Collaborate with relationship managers to structure optimal credit solutions
- Ensure compliance with federal and state lending regulations
- Lead presentations to senior leadership on high-risk exposures
Qualifications
- Bachelor's degree in Finance, Accounting, or Business Economics
- 5+ years of commercial credit analysis experience
- Credit Risk Management (CRM) or Certified Credit Professional (CCP) designation preferred
- Advanced proficiency in Excel and credit underwriting software
- Deep understanding of GAAP and financial statement analysis
- Strong interpersonal skills for stakeholder collaboration