Job Description
Are you a data-driven professional looking for a high-impact role in finance?
Apex Financial Solutions is currently seeking a Senior Credit Analyst to join our growing team in San Antonio, TX. In this pivotal position, you will leverage your expertise to assess credit risk, drive lending decisions, and ensure the financial health of our diverse portfolio. We are offering a highly competitive salary package and a benefits package designed to support your work-life balance and professional growth.
Why Join Us?
- High Salary & Bonus Structure: We reward top talent with a top-tier compensation plan.
- Comprehensive Benefits: Medical, dental, vision, and 401(k) matching.
- Modern Environment: Collaborative culture with opportunities for advancement.
Apply today to advance your career in one of Texas's most vibrant financial hubs.
Responsibilities
- Perform rigorous analysis of borrower financial statements, including balance sheets, income statements, and cash flow projections.
- Evaluate creditworthiness and risk profiles of commercial and consumer applicants to support loan approval decisions.
- Develop and maintain credit scoring models and underwriting guidelines in alignment with company strategy.
- Monitor portfolio performance and identify early warning signs of delinquency or default.
- Prepare comprehensive credit memorandums and detailed presentations for executive review and board meetings.
- Collaborate with relationship managers and loan officers to streamline the underwriting process.
- Stay updated on industry trends, regulatory changes, and economic indicators affecting credit risk.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field required.
- Minimum of 3-5 years of experience in credit analysis, risk management, or commercial lending.
- Advanced proficiency in Microsoft Excel (VLOOKUP, Pivot Tables, and Macros) and financial modeling software.
- Strong working knowledge of banking regulations, compliance standards (e.g., OCC, FDIC), and fair lending laws.
- Exceptional analytical skills with a proven ability to interpret complex financial data.
- Strong verbal and written communication skills with the ability to present findings to stakeholders.