Job Description
Join Fresno Financial Partners as a Senior Credit Analyst and elevate your finance career in California's Central Valley. We're seeking a meticulous professional to drive our commercial lending decisions while enjoying competitive compensation and comprehensive benefits. This high-impact role combines financial acumen with relationship-building in Fresno's growing economy.
As a cornerstone of our risk management team, you'll analyze complex credit portfolios, recommend strategic adjustments, and safeguard our institution's financial health. We offer mentorship from industry veterans, flexible scheduling, and performance-based bonuses to accelerate your professional growth.
Responsibilities
- Analyze commercial and industrial loan applications using financial statements, cash flow projections, and industry benchmarks
- Prepare comprehensive credit risk assessments with actionable recommendations for senior leadership
- Monitor existing loan portfolios for compliance and early identification of potential delinquencies
- Collaborate with relationship managers to structure optimal financing solutions for diverse clients
- Develop and maintain accurate credit scoring models aligned with regulatory requirements
- Present complex financial findings to executive committees with clear data-driven insights
- Stay current on economic trends affecting Fresno's agricultural, manufacturing, and service sectors
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field (MBA/CFA preferred)
- 5+ years of commercial credit analysis experience in banking or financial services
- Expertise in financial statement analysis, ratio interpretation, and cash flow modeling
- Proficiency with credit scoring software (e.g., Moody's Analytics, FICO) and Excel advanced functions
- Strong knowledge of banking regulations (Regulations B, Z, and FFIEC guidelines)
- Proven track record of managing high-value credit portfolios ($10M+)
- Exceptional analytical skills with meticulous attention to detail
- Excellent written and verbal communication for stakeholder presentations