Job Description
Are you a detail-oriented financial professional looking for a high-paying opportunity in a dynamic environment? Apex Financial Solutions is currently seeking a highly skilled Senior Credit Analyst to join our growing team in Anaheim, CA.
As a key member of our credit risk management department, you will play a pivotal role in evaluating creditworthiness, mitigating risk, and driving strategic lending decisions. We offer a competitive salary, comprehensive benefits, and a culture that values innovation and excellence.
Why Join Us?
- Competitive salary and performance bonuses.
- Comprehensive health, dental, and vision insurance.
- Professional development and career growth opportunities.
- Modern work environment in the heart of Orange County.
Responsibilities
- Conduct comprehensive credit analysis of corporate and individual loan applications, including financial statement analysis, cash flow assessment, and collateral evaluation.
- Prepare detailed credit memos and presentations for the credit committee, highlighting key risk factors and recommendations.
- Monitor and review the credit performance of existing portfolio accounts to identify early warning signs of default.
- Develop and maintain internal credit risk models and underwriting guidelines in accordance with regulatory standards.
- Collaborate with loan officers and relationship managers to provide expert advice on credit structuring and terms.
- Stay abreast of industry trends, economic indicators, and regulatory changes that may impact credit risk.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or related field required; Master’s degree preferred.
- Minimum of 3-5 years of experience in credit analysis, underwriting, or financial risk assessment.
- Strong proficiency in financial modeling, MS Excel (Advanced functions), and credit analysis software.
- Deep understanding of GAAP, banking regulations, and lending principles.
- Excellent analytical thinking, attention to detail, and problem-solving skills.
- Strong communication skills with the ability to articulate complex financial data to non-technical stakeholders.