Job Description
Are you a detail-oriented financial professional seeking to make a significant impact in the heart of Silicon Valley? Apex Financial Solutions is looking for a highly skilled Credit Analyst to join our dynamic team in San Jose, CA.
We are a leading financial institution leveraging data-driven insights to optimize lending portfolios and ensure sustainable growth. In this pivotal role, you will be responsible for assessing credit risks, ensuring strict compliance, and driving strategic decision-making for a diverse client base.
Why You Should Apply:
- Competitive salary range of $80k - $110k plus performance bonuses.
- Work in a collaborative, fast-paced environment that values innovation.
- Comprehensive health, dental, and vision benefits package.
- Generous professional development and continuing education stipends.
About the Role:
We are seeking a proactive individual who thrives on analyzing complex financial data to support sound lending decisions. If you have a strong background in finance and a passion for risk management, we want to hear from you.
Responsibilities
- Conduct in-depth credit analysis and risk assessment for new and existing loan applicants.
- Review and interpret financial statements, tax returns, and cash flow analysis to evaluate creditworthiness.
- Develop, maintain, and refine underwriting guidelines and credit scoring models.
- Monitor portfolio performance to identify early warning signs of delinquency and proactively manage risk.
- Prepare detailed credit memos and recommendations for credit committees.
- Collaborate closely with loan officers and relationship managers to structure optimal credit solutions.
Qualifications
- Bachelor’s degree in Finance, Economics, Accounting, or a related field required.
- Minimum of 3-5 years of experience in credit analysis, underwriting, or risk management.
- Strong proficiency in Microsoft Excel (advanced functions, Pivot Tables, VLOOKUP) and financial modeling.
- Excellent analytical thinking with a keen eye for detail and accuracy.
- Familiarity with banking regulations, compliance standards, and industry best practices.
- Strong verbal and written communication skills with the ability to present complex data clearly.