Job Description
Join our elite finance team as a Senior Credit Analyst and unlock your potential in one of San Diego's most rewarding careers. We offer a dynamic environment where your expertise in financial risk assessment will drive strategic decisions and shape our portfolio's success. With competitive compensation, comprehensive benefits, and opportunities for professional growth, this role is designed for ambitious professionals ready to excel in the financial services sector.
Responsibilities
- Analyze complex financial statements to evaluate creditworthiness and recommend risk mitigation strategies
- Conduct in-depth industry research to assess market trends and economic impacts on credit portfolios
- Collaborate with cross-functional teams to structure credit facilities aligned with client needs and regulatory requirements
- Develop sophisticated financial models for forecasting and scenario analysis
- Present credit recommendations to senior leadership with clear, data-driven insights
- Monitor existing credit portfolios for emerging risks and compliance adherence
- Mentor junior analysts to enhance team capabilities and knowledge sharing
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field (MBA or CFA preferred)
- 5+ years of progressive credit analysis experience in commercial banking or financial services
- Expert proficiency in financial modeling tools (e.g., Excel, Bloomberg, Moody's Analytics)
- Deep understanding of credit risk frameworks, FICO scoring, and underwriting standards
- Proven ability to interpret complex financial data and communicate findings to stakeholders
- Strong knowledge of banking regulations (e.g., Reg B, Reg Z, Basel III)
- Exceptional analytical skills with attention to detail and problem-solving acumen