Job Description
We are seeking a results-driven Senior Credit Analyst to join our elite finance team in the heart of Washington, DC. In this pivotal role, you will leverage your expertise to evaluate financial health, mitigate risk, and drive strategic lending decisions. If you are passionate about data analysis and have a knack for identifying credit trends, we want to hear from you.
Why Join Us?
- Competitive compensation package in the heart of D.C.
- Comprehensive health benefits and retirement plans.
- Professional development opportunities and a collaborative culture.
Responsibilities
- Analyze financial statements (Balance Sheet, Income Statement, Cash Flow) to assess the creditworthiness of potential and existing borrowers.
- Prepare and maintain detailed credit memos, risk assessments, and loan recommendations for internal review.
- Monitor portfolio performance, identify early warning signs of default, and recommend proactive risk mitigation strategies.
- Collaborate with underwriting teams and relationship managers to structure deals that align with company risk appetite.
- Stay abreast of industry trends, economic indicators, and regulatory changes affecting the lending landscape.
- Conduct external and internal audits of loan files to ensure compliance with internal policies and regulatory standards.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- 3-5 years of progressive experience in credit analysis, commercial lending, or risk management.
- Strong proficiency in Microsoft Excel (VLOOKUP, Pivot Tables, macros) and financial modeling software.
- Deep understanding of lending standards, covenants, and financial ratios.
- Excellent analytical skills with the ability to synthesize complex data into clear, actionable insights.
- Strong verbal and written communication skills, with the ability to present findings to senior management.