Job Description
Are you a strategic thinker with a keen eye for financial risk assessment? Apex Financial Solutions is looking for a highly skilled Senior Credit Analyst to join our elite team in Arlington, Texas. We offer a competitive compensation package, a dynamic work environment, and ample opportunities for professional growth.
In this pivotal role, you will play a critical part in our lending decisions, ensuring our portfolio remains healthy while identifying new opportunities for expansion. If you excel in data analysis and possess a deep understanding of financial markets, we want to hear from you.
Why Join Us?
- Competitive salary and performance bonuses.
- Comprehensive health, dental, and vision insurance.
- Generous 401(k) matching program.
- Flexible remote work options.
Responsibilities
- Risk Assessment: Conduct thorough analysis of financial statements, cash flow, and credit history to evaluate the creditworthiness of potential borrowers.
- Reporting: Prepare detailed credit memos, risk reports, and recommendations for loan approval or denial to the underwriting committee.
- Portfolio Management: Monitor existing loan portfolios to identify early signs of financial distress and recommend mitigation strategies.
- Model Development: Assist in developing and refining credit scoring models and analytical tools to improve lending accuracy.
- Compliance: Ensure all credit analysis activities comply with federal and state regulations, including BSA/AML requirements.
- Collaboration: Work closely with the sales and loan origination teams to provide expert guidance on credit terms and structures.
- Market Research: Stay updated on industry trends, economic indicators, and competitor activities to inform strategic lending decisions.
Qualifications
- Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field. MBA or CFA designation is a plus.
- Experience: Minimum of 3-5 years of experience in credit analysis, underwriting, or financial risk management.
- Technical Skills: Proficiency in financial modeling, Excel (VLOOKUP, Pivot Tables, Macros), and credit analysis software.
- Attention to Detail: Exceptional ability to analyze complex data and identify key trends or anomalies.
- Communication: Strong written and verbal communication skills with the ability to present findings to senior leadership.
- Regulatory Knowledge: Solid understanding of banking regulations and credit risk frameworks.