Job Description
Are you a detail-oriented financial expert seeking a high-paying opportunity in Bakersfield?
First Community Bank is currently seeking a Senior Credit Analyst to join our dynamic finance team. In this pivotal role, you will drive our credit risk management strategy, ensuring the stability and growth of our diverse loan portfolio. We pride ourselves on offering a competitive salary package and a collaborative work environment.
Why Join Our Team?
- High Salary: Earn between $75,000 and $95,000 annually based on experience.
- Comprehensive Benefits: Health, dental, vision, and 401(k) matching.
- Professional Growth: Clear pathways for career advancement within a stable financial institution.
The Role
We are looking for a proactive individual to assess creditworthiness, structure complex financial scenarios, and protect the bank's assets while fostering growth.
Responsibilities
- Perform comprehensive financial analysis and credit risk assessment on commercial and consumer loan applicants.
- Review and interpret financial statements, tax returns, and cash flow projections to determine borrower capacity.
- Develop and maintain credit scoring models and internal underwriting policies to ensure compliance.
- Prepare detailed credit memos, risk ratings, and presentations for the executive credit committee.
- Monitor existing portfolio performance and identify early warning signs of delinquency.
- Collaborate closely with loan officers to structure complex transactions and resolve underwriting challenges.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- 3 to 5+ years of experience in credit analysis, commercial lending, or risk management.
- Strong proficiency in Microsoft Excel (VLOOKUP, Pivot Tables) and financial modeling software.
- Deep understanding of GAAP principles and relevant banking regulations (e.g., OCC, FDIC).
- Excellent analytical, critical thinking, and problem-solving skills.