Job Description
Join our dynamic team at Baltimore Financial Partners as a Senior Credit Analyst and become the cornerstone of our lending decisions. We're seeking a detail-oriented professional with a passion for financial analysis to evaluate creditworthiness, mitigate risks, and drive our portfolio's success. You'll collaborate with cross-functional teams while leveraging cutting-edge financial tools to make data-driven decisions that shape our institution's future.
Why Baltimore? Immerse yourself in a city thriving with financial innovation, waterfront charm, and a vibrant professional ecosystem. We offer competitive benefits, career advancement opportunities, and a supportive culture that values your expertise.
Responsibilities
- Analyze complex financial statements and credit data to assess risk profiles for commercial and industrial loans
- Prepare comprehensive credit memos with detailed risk assessments and recommendations
- Monitor existing loan portfolios for compliance and early risk identification
- Collaborate with relationship managers to structure optimal financing solutions
- Stay current with regulatory requirements and industry best practices
- Present findings to credit committees with clear, actionable insights
- Develop financial models for cash flow analysis and scenario planning
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field (MBA/CFA preferred)
- 5+ years of commercial credit analysis experience in banking/lending
- Expert proficiency in Excel financial modeling and data analysis tools
- Strong understanding of GAAP, credit risk frameworks, and lending regulations
- Exceptional analytical skills with attention to detail
- Proven ability to communicate complex financial concepts clearly
- Experience with credit scoring systems and portfolio management