Job Description
Are you a strategic thinker with a passion for financial risk management?
San Antonio Capital Group is looking for a Senior Credit Analyst to drive our lending strategy and ensure the long-term health of our portfolio. In this high-impact role, you will evaluate complex financial data, assess creditworthiness, and make critical lending decisions that support our clients' growth and our company's success. We offer a competitive salary, comprehensive benefits package, and a culture that fosters professional development.
Why Join Us?
- Competitive Compensation: Base salary up to $120,000 with performance bonuses.
- Modern Work Environment: State-of-the-art office located in the heart of downtown San Antonio.
- Professional Growth: Access to industry-leading training and certification support.
Your Role
As a Senior Credit Analyst, you will be the gatekeeper of our financial integrity. You will work closely with loan officers and portfolio managers to structure deals that maximize returns while mitigating risk. Your insights will directly influence capital allocation decisions and drive revenue for the firm.
Responsibilities
- Conduct Comprehensive Financial Analysis: Analyze financial statements, cash flow projections, and collateral values to assess borrower risk and creditworthiness.
- Prepare Credit Memos: Draft detailed and persuasive credit applications and risk assessment reports for loan committees.
- Portfolio Monitoring: Regularly review the performance of existing credit facilities and identify early warning signs of default.
- Risk Mitigation: Develop strategies to mitigate credit risk and ensure compliance with regulatory standards (e.g., Basel III, Dodd-Frank).
- Market Research: Stay abreast of economic trends and industry-specific factors that may impact the credit portfolio.
- Collaboration: Work cross-functionally with the underwriting team to structure complex lending transactions.
Qualifications
- Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field (Master’s degree or MBA is preferred).
- Experience: Minimum of 5 years of experience in commercial credit analysis, lending, or risk management.
- Technical Skills: Proficiency in financial modeling, Excel (advanced functions), and credit analysis software (e.g., FICO, Dun & Bradstreet).
- Regulatory Knowledge: Strong understanding of banking regulations and compliance requirements.
- Communication: Excellent verbal and written communication skills with the ability to present complex data to senior management.