Job Description
Are you a detail-oriented financial professional looking to make a significant impact? Horizon Financial Solutions is seeking a highly skilled Credit Analyst to join our dynamic team in Lexington, KY.
In this role, you will be the gatekeeper of our financial health, analyzing risk, managing credit limits, and ensuring our clients' portfolios remain healthy. We offer a competitive salary, a comprehensive benefits package, and a collaborative environment where your analytical skills will drive real business results.
Why Join Horizon?
• Competitive Salary: $65,000 - $85,000
• Comprehensive Benefits: Health, Dental, and Vision
• Professional Development: Continuous learning opportunities
• Modern Work Environment: State-of-the-art facilities in downtown Lexington
Responsibilities
- Conduct Comprehensive Risk Assessments: Analyze financial statements, credit reports, and business performance data to determine creditworthiness for new and existing clients.
- Manage Credit Portfolios: Monitor and review existing credit limits, payment patterns, and risk indicators to minimize bad debt and optimize cash flow.
- Prepare Credit Reports: Generate detailed credit analysis reports and presentations for the credit committee and senior management.
- Collaborate with Sales Teams: Work closely with the sales department to provide timely credit decisions that support business growth without compromising risk controls.
- Adjudicate Credit Applications: Review loan applications and commercial credit requests, applying established credit policies and internal guidelines.
- Monitor Regulatory Changes: Stay updated on industry regulations and credit industry trends to ensure compliance and adapt internal processes accordingly.
- Develop Financial Models: Create complex financial models to forecast client performance and assess long-term risk exposure.
Qualifications
- Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field required; MBA or CFA certification is a plus.
- Experience: Minimum of 3-5 years of experience in credit analysis, underwriting, or risk management within the financial services sector.
- Technical Skills: Proficiency in financial analysis software (e.g., SAP, Oracle, or similar ERP systems) and advanced Excel skills (VLOOKUP, Pivot Tables, Macros).
- Analytical Mindset: Strong ability to interpret complex financial data and identify trends, risks, and opportunities.
- Attention to Detail: Exceptional attention to detail with the ability to spot discrepancies and errors in data.
- Communication: Excellent verbal and written communication skills, with the ability to present complex information clearly to stakeholders.
- Problem Solving: Proven track record of making sound decisions under pressure and resolving credit-related issues efficiently.