Job Description
Join Capital Financial Partners, a leading regional financial institution, as we expand our commercial lending division in Sacramento. We're seeking a detail-oriented Senior Credit Analyst to evaluate loan applications, assess risk profiles, and support our growing portfolio of business clients. This role offers competitive compensation, comprehensive benefits, and opportunities for career advancement in California's capital financial hub.
Our ideal candidate brings 3+ years of credit analysis experience and thrives in a collaborative environment where analytical rigor meets client-focused solutions. Enjoy modern workspaces, mentorship from industry veterans, and the stability of an established player in California's dynamic financial sector.
Responsibilities
- Analyze commercial loan applications and financial statements to assess creditworthiness and risk exposure
- Prepare detailed credit memoranda and risk assessments for loan committee review
- Monitor existing loan portfolios for compliance and early identification of potential issues
- Collaborate with relationship managers to structure optimal financing solutions
- Stay current on industry regulations and economic trends affecting credit decisions
- Develop and maintain strong relationships with banking partners and industry stakeholders
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field (MBA preferred)
- 3+ years of commercial credit analysis experience in banking or financial services
- Advanced proficiency in Excel and financial modeling software
- Strong understanding of cash flow analysis, collateral valuation, and covenant structures
- Excellent written and verbal communication skills for presenting complex financial information
- Professional certification (CRCM, CFA) or willingness to pursue
- Ability to work independently while collaborating in a team-oriented environment