Job Description
Are you a strategic thinker with a passion for financial stability? Pacific Financial Group is seeking a Senior Credit Analyst to join our dynamic team in Los Angeles, CA. In this pivotal role, you will evaluate creditworthiness, assess risk, and drive lending decisions that shape our portfolio's success.
We offer a competitive salary, comprehensive benefits, and a collaborative environment where your expertise will directly impact our growth. If you are ready to advance your career in high-level financial analysis, apply today.
Responsibilities
- Conduct comprehensive credit analysis: Evaluate financial statements, cash flow, and collateral to determine credit risk for potential borrowers.
- Develop credit models: Create and maintain credit scoring models and underwriting guidelines in alignment with regulatory standards.
- Monitor existing portfolios: Perform ongoing surveillance of credit quality and identify early warning signs of deterioration.
- Prepare detailed reports: Generate clear, actionable reports for senior management and lending committees.
- Collaborate with lending teams: Work closely with relationship managers to structure deals and provide analytical support.
Qualifications
- Education: Bachelor’s degree in Finance, Economics, Accounting, or related field required; MBA or CFA preferred.
- Experience: Minimum of 3-5 years of experience in credit analysis or commercial lending.
- Technical Skills: Proficiency in financial modeling, Excel (advanced functions), and credit software (e.g., SAS, FICO).
- Regulatory Knowledge: Strong understanding of banking regulations, including Basel III and Dodd-Frank.
- Communication: Excellent written and verbal communication skills for presenting complex data to stakeholders.