Job Description
We are seeking a highly analytical and detail-oriented Credit Analyst to join our growing finance team in Arlington, TX. In this direct hire role, you will play a pivotal part in our risk management strategy, evaluating the creditworthiness of new and existing clients to ensure sustainable growth and minimal financial exposure. You will collaborate closely with the underwriting and sales departments to provide actionable insights that drive our lending decisions.
Our organization prides itself on a culture of transparency, innovation, and excellence. As a Credit Analyst, you will not only manage financial risk but also contribute to the strategic financial health of the company. We offer a competitive benefits package, a dynamic work environment, and clear pathways for career advancement.
Responsibilities
- Conduct Comprehensive Financial Analysis: Evaluate financial statements, credit reports, and business plans to assess the creditworthiness of applicants and existing portfolio clients.
- Risk Assessment: Identify potential risks and red flags in borrower profiles, preparing detailed risk reports and recommendations for approval or denial.
- Portfolio Monitoring: Regularly review the performance of existing accounts to identify early warning signs of default and proactively manage delinquencies.
- Market Research: Stay abreast of industry trends, economic indicators, and regulatory changes that may impact credit risk.
- Reporting: Generate and maintain accurate credit scoring models and monthly performance reports for management review.
- Collaboration: Work with underwriters and sales teams to structure deals that balance risk with profitability.
Qualifications
- Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field required; MBA or CFA designation preferred.
- Experience: Minimum of 3-5 years of experience in credit analysis, underwriting, or financial risk management within the banking or financial services sector.
- Technical Skills: Proficiency in financial modeling and advanced Excel skills (VLOOKUP, Pivot Tables, Macros) are essential.
- Analytical Mindset: Strong ability to interpret complex financial data and translate it into actionable business insights.
- Communication: Excellent written and verbal communication skills with the ability to present findings to stakeholders at all levels.
- Attention to Detail: High level of accuracy in data entry and reporting.