Job Description
Join our dynamic Irvine-based team as a Senior Credit Analyst where we equip you with cutting-edge tools to excel! We provide top-tier hardware, including high-performance laptops and dual monitors, plus premium software licenses like Bloomberg Terminal and advanced financial modeling platforms. Enjoy collaborative workspace in our state-of-the-art facility with flexible seating options. This hybrid role offers 3 days in-office weekly with flexible scheduling. As a key member of our commercial lending division, you'll analyze complex financial data, assess creditworthiness, and support strategic decision-making for mid-market clients. Our commitment to professional growth includes annual training stipends and certification support.
Responsibilities
- Analyze financial statements, cash flows, and credit metrics to evaluate borrower risk profiles
- Prepare comprehensive credit reports and risk assessments for portfolio management
- Collaborate with relationship managers to structure credit facilities and mitigate exposure
- Monitor industry trends and regulatory changes impacting credit policies
- Develop and maintain financial models for scenario analysis and forecasting
- Present credit recommendations to credit committee with clear rationale
- Maintain accurate documentation in compliance with internal controls and regulations
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field (MBA/CFA preferred)
- 5+ years of commercial credit analysis experience in banking or financial services
- Expert proficiency in Excel (VLOOKUP, pivot tables, financial modeling)
- Strong understanding of GAAP, credit regulations, and risk management frameworks
- Proven ability to interpret complex financial data and communicate insights
- Experience with credit origination systems (e.g., Moody's RiskCal, Moody's Analytics)
- Professional certification (CFA, FRM) or active pursuit strongly preferred