Job Description
Are you a detail-oriented financial professional looking to drive growth in the banking sector?
Apex Financial Solutions is seeking a highly analytical Credit Analyst to join our team in Baltimore, Maryland. In this pivotal role, you will evaluate loan applications, assess financial health, and mitigate risk for our portfolio. If you thrive in a fast-paced environment and possess a sharp eye for financial data, we want to hear from you.
Why Join Us?
We offer a competitive salary, comprehensive benefits, and a collaborative culture that values professional development. As a Credit Analyst in Baltimore, you will play a critical role in shaping our lending strategies and ensuring long-term financial stability.
Responsibilities
- Conduct Comprehensive Credit Analysis: Evaluate financial statements, cash flow, and collateral to determine creditworthiness of borrowers.
- Assess Risk & Compliance: Identify potential credit risks and ensure all lending activities comply with federal and state regulations.
- Prepare Credit Memos: Draft detailed reports and recommendations for credit committees to support lending decisions.
- Monitor Portfolio Health: Regularly review existing accounts to identify early warning signs of financial distress.
- Collaborate with Lenders: Work closely with loan officers to structure deals and provide analytical support.
- Market Research: Stay updated on economic trends and industry-specific risks affecting the Baltimore market.
Qualifications
- Bachelor’s Degree: Finance, Accounting, Economics, or related field required.
- Experience: 3-5 years of experience in credit analysis, underwriting, or commercial lending.
- Technical Skills: Proficiency in MS Excel (advanced functions) and credit analysis software.
- Analytical Mindset: Strong ability to interpret complex financial data and synthesize it into actionable insights.
- Communication: Excellent verbal and written communication skills for presenting findings to senior management.
- Regulatory Knowledge: Familiarity with banking regulations and compliance standards.