Job Description
Join our dynamic finance team as a Senior Credit Analyst and make an immediate impact! We're seeking a detail-oriented professional to evaluate creditworthiness, manage risk portfolios, and support strategic lending decisions in San Diego's vibrant financial sector. Enjoy competitive compensation, comprehensive benefits, and a collaborative work environment where your expertise drives results.
Responsibilities
- Conduct in-depth financial analysis of commercial and industrial loan applications
- Assess borrower creditworthiness through cash flow modeling and ratio analysis
- Prepare detailed credit memoranda and risk assessment reports
- Monitor portfolio performance and identify early warning signals
- Collaborate with relationship managers to structure optimal credit solutions
- Ensure compliance with regulatory requirements and internal policies
- Present findings to credit committees with clear recommendations
Qualifications
- Bachelor's degree in Finance, Accounting, or Business (MBA preferred)
- 5+ years of commercial credit analysis experience
- Expertise in financial statement analysis and cash flow modeling
- Strong understanding of commercial lending regulations
- Proficiency with credit software (e.g., Moody's Analytics, Riskpro)
- Credit certification (CRCM or CCE) highly desirable
- Exceptional analytical and decision-making skills
- Ability to thrive in a fast-paced, deadline-driven environment