Job Description
Are you a detail-oriented financial professional looking for a high-impact career in credit risk management? Apex Financial Solutions is seeking a highly skilled Senior Credit Analyst to join our dynamic team in Indianapolis, IN. We offer a competitive salary package, comprehensive benefits, and a culture that prioritizes professional growth and innovation.
Why Join Us?
As a leading financial institution in the Midwest, we pride ourselves on our robust risk management framework and our commitment to employee development. You will work with cutting-edge financial modeling tools and have the opportunity to shape lending strategies that drive business success.
Role Overview
In this role, you will be responsible for evaluating the creditworthiness of loan applicants, conducting thorough financial analysis, and maintaining a healthy loan portfolio. We are looking for a candidate who thrives in a fast-paced environment and possesses a sharp analytical mind.
Responsibilities
- Analyze Financial Statements: Conduct in-depth reviews of balance sheets, income statements, and cash flow statements to assess borrower financial health.
- Credit Risk Assessment: Evaluate credit applications and determine risk levels based on established lending criteria and regulatory guidelines.
- Risk Modeling: Develop and maintain credit scoring models and risk profiles to ensure compliance and minimize default rates.
- Client Reporting: Prepare detailed credit memos and presentations for senior management and loan committees.
- Portfolio Monitoring: Continuously monitor existing portfolio performance and identify early warning signs of potential delinquency.
- Compliance: Ensure all credit analysis activities adhere to internal policies and external regulatory standards (e.g., OCC, FDIC).
Qualifications
- Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field required. MBA or CFA designation is a plus.
- Experience: Minimum of 4-6 years of experience in credit analysis, commercial lending, or risk management.
- Technical Skills: Advanced proficiency in Microsoft Excel (VLOOKUP, Pivot Tables) and financial modeling software (e.g., SAP, Fiserv, Oracle).
- Analytical Mindset: Strong ability to interpret complex financial data and draw actionable conclusions.
- Communication: Excellent verbal and written communication skills with the ability to present findings to diverse audiences.
- Regulatory Knowledge: Deep understanding of banking regulations and credit risk management principles.