Job Description
Join our dynamic finance team as a Senior Credit Analyst in Riverside, CA! We're seeking a detail-oriented professional to drive our credit risk assessment strategy and support sustainable growth. This immediate hire opportunity offers competitive compensation, career advancement, and a collaborative environment. If you excel in financial analysis and risk management, apply today to become a key player in our financial operations.
Responsibilities
- Analyze financial statements, credit reports, and market trends to assess borrower risk profiles
- Prepare comprehensive credit memos and recommendations for loan approval decisions
- Monitor existing credit portfolios and identify early warning signs of potential defaults
- Collaborate with sales teams to structure complex credit solutions aligned with risk policies
- Develop and maintain strong relationships with banking partners and credit agencies
- Stay current on industry regulations (FICO, GAAP) and implement compliance protocols
- Lead cross-functional projects to optimize credit processes and reduce exposure
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field (MBA preferred)
- 5+ years of progressive credit analysis experience in commercial/lending environments
- Advanced proficiency in Excel, financial modeling, and credit scoring systems
- Strong understanding of cash flow analysis, collateral valuation, and industry risk factors
- Proven track record in managing high-volume credit portfolios with minimal losses
- Excellent communication skills with ability to present complex data to stakeholders
- Professional certification (CRCM, CFA, or FRM) highly desirable
- Ability to thrive in fast-paced, deadline-driven environments