Job Description
Join our dynamic finance team at Capital Financial Partners as a Senior Credit Analyst. You'll be instrumental in evaluating creditworthiness, mitigating financial risks, and supporting strategic lending decisions in Sacramento's thriving business ecosystem. We offer a collaborative environment, competitive compensation, and opportunities for professional growth in the heart of California's capital.
Responsibilities
- Analyze financial statements, cash flows, and industry trends to assess borrower creditworthiness
- Prepare comprehensive credit reports with clear risk assessments and recommendations
- Monitor existing loan portfolios for compliance and early risk identification
- Collaborate with loan officers to structure optimal credit solutions
- Stay updated on regulatory changes affecting credit analysis practices
- Present findings to credit committees with data-driven insights
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field
- 5+ years of commercial credit analysis experience in banking/lending
- Expertise in financial statement analysis and cash flow modeling
- Strong proficiency in Excel and financial software (e.g., Moody's Analytics)
- Credit certification (CRCM or equivalent) preferred
- Exceptional analytical and communication skills
- Ability to manage multiple deadlines in a fast-paced environment