Job Description
Join our dynamic finance team as a Senior Credit Analyst and enjoy the flexibility of remote work while making critical financial decisions! We're seeking a detail-oriented professional to evaluate creditworthiness and mitigate risk for our diverse portfolio. This hybrid role combines the autonomy of remote work with in-person collaboration at our Santa Ana headquarters. You'll analyze financial statements, assess industry trends, and collaborate with cross-functional teams to support our growth objectives. We offer competitive compensation, comprehensive benefits, and a culture that values work-life balance.
Responsibilities
- Analyze financial statements, credit reports, and market data to assess borrower risk
- Prepare detailed credit recommendations and risk assessments for senior leadership
- Monitor portfolio performance and identify early warning signs of potential defaults
- Collaborate with sales teams to structure optimal credit solutions
- Develop and maintain credit policy documentation and compliance procedures
- Present findings to credit committees and executive stakeholders
- Stay current with economic trends and regulatory changes affecting credit decisions
Qualifications
- Bachelor's degree in Finance, Accounting, or related field required
- 5+ years of credit analysis experience in commercial banking or lending
- Advanced proficiency in Excel and financial modeling software
- Credit certification (CRCM, CCE, or equivalent) preferred
- Strong understanding of GAAP and financial statement analysis
- Exceptional analytical skills with attention to detail
- Experience with credit scoring models and risk assessment frameworks
- Excellent communication skills for presenting complex financial information