Job Description
Are you a detail-oriented financial professional looking for a role that offers flexibility and impact? Apex Financial Solutions is seeking a highly skilled Senior Credit Analyst to join our dynamic team in Colorado Springs. We pride ourselves on a modern, collaborative culture that values accuracy and innovation.
As a Credit Analyst, you will play a pivotal role in evaluating financial health, mitigating risk, and supporting our loan origination process. We offer a competitive benefits package, a hybrid work model (remote-friendly), and clear pathways for professional growth.
Why Join Us?
- Remote-Friendly Hybrid Schedule: Enjoy the flexibility of working from home with the option to collaborate in our modern Colorado Springs office.
- Competitive Compensation: Earn a salary between $65,000 and $85,000 depending on experience.
- Professional Development: Access to continuous training and certification reimbursement.
Responsibilities
- Financial Assessment: Conduct thorough analysis of credit applications, financial statements, and cash flow projections to determine creditworthiness.
- Risk Mitigation: Identify potential risks in lending scenarios and recommend appropriate terms, limits, and conditions to minimize default exposure.
- Policy Compliance: Ensure all credit decisions align with company underwriting guidelines and regulatory compliance standards (e.g., Fair Lending).
- Portfolio Monitoring: Regularly review and update credit files for existing clients to reflect changes in financial status or market conditions.
- Reporting: Generate detailed credit reports and presentations for the Credit Committee and senior management.
- Collaboration: Work closely with loan officers and processors to streamline the underwriting process and improve turnaround times.
Qualifications
- Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- Experience: 3-5+ years of experience in credit analysis, underwriting, or risk management.
- Technical Skills: Proficiency in Microsoft Excel (Pivot Tables, VLOOKUP) and SQL; experience with credit scoring models (FICO) is a plus.
- Analytical Mindset: Strong ability to interpret complex financial data and draw actionable insights.
- Communication: Excellent verbal and written communication skills with the ability to explain complex financial concepts clearly.
- Attention to Detail: High level of accuracy in data entry and report generation.