Job Description
Are you ready to shape the financial future of a dynamic organization?
Apex Financial Solutions is seeking a highly analytical and detail-oriented Credit Analyst to join our Glendale, AZ team. In this pivotal role, you will drive our lending decisions by evaluating creditworthiness, mitigating risk, and ensuring compliance with regulatory standards. If you are looking for a fast-paced environment where your analytical skills directly impact business growth, we want to hear from you.
Why Join Us?
- Competitive Salary: Base pay between $60,000 and $85,000 depending on experience.
- Comprehensive Benefits: Health, dental, vision, and 401(k) matching.
- Modern Work Environment: Collaborative culture with flexible remote options.
- Professional Growth: Continuous training and clear pathways to senior leadership.
The Role:
As a Credit Analyst at Apex Financial Solutions, you will serve as the gatekeeper of our financial health. You will work closely with the lending committee to assess loan applications, review financial statements, and identify potential risks. Your expertise will ensure we extend credit to clients who represent the best opportunities for our portfolio.
Responsibilities
- Conduct Comprehensive Risk Assessments: Analyze financial statements, cash flow reports, and credit histories to determine the creditworthiness of potential and existing clients.
- Develop Credit Scoring Models: Create and refine internal scoring models to standardize the approval process and reduce default rates.
- Prepare Credit Reports: Draft detailed reports for the credit committee, highlighting key financial ratios, trends, and recommendations.
- Monitor Account Performance: Track the performance of existing loans and identify early warning signs of delinquency.
- Ensure Regulatory Compliance: Stay up-to-date with banking regulations and internal policies to ensure all credit decisions are compliant.
- Collaborate with Lenders: Partner with loan officers to provide data-driven insights during the underwriting process.
Qualifications
- Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field required; MBA preferred.
- Experience: Minimum of 3-5 years of experience in credit analysis, risk management, or commercial lending.
- Technical Skills: Proficient in Microsoft Excel (advanced functions, pivot tables) and financial modeling software (e.g., Bloomberg, Murex).
- Analytical Acumen: Strong ability to interpret complex financial data and synthesize it into actionable insights.
- Communication: Excellent verbal and written communication skills, with the ability to present complex findings to non-financial stakeholders.
- Attention to Detail: Meticulous approach to data verification and reporting accuracy.