Job Description
Are you a detail-oriented financial professional looking to make an impact in the heart of Ohio?
Horizon Financial Services is seeking a skilled Credit Analyst to join our growing team in Toledo, OH. In this pivotal role, you will be responsible for assessing creditworthiness, managing risk, and ensuring the financial health of our loan portfolio. If you have a knack for numbers and a passion for financial stability, we want to hear from you.
Why Join Horizon Financial?
- Competitive Salary: $55,000 - $75,000 annually.
- Modern Work Environment: Collaborative office culture with flexible hours.
- Professional Growth: Clear pathways for career advancement in banking.
- Immediate Start: Begin your new career journey as early as next week.
Don't miss this opportunity to advance your career in a stable and rewarding industry. Apply today!
Responsibilities
- Conduct comprehensive credit analysis: Evaluate financial statements, cash flow, and collateral to determine credit risk.
- Prepare credit memos: Draft detailed reports for loan committees, highlighting key risks and recommendations.
- Monitor loan performance: Track portfolio health and identify early warning signs of delinquency.
- Collaborate with underwriting teams: Work closely with loan officers to structure financing solutions.
- Regulatory Compliance: Ensure all lending practices adhere to federal and state banking regulations.
- Market Research: Analyze economic trends and industry data to support lending decisions.
Qualifications
- Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field required.
- Experience: 2+ years of experience in credit analysis, underwriting, or financial risk assessment.
- Technical Skills: Proficiency in credit scoring models (e.g., FICO, SAS) and financial analysis software.
- Attention to Detail: Exceptional ability to analyze complex financial data with high accuracy.
- Communication: Strong verbal and written communication skills for reporting to senior management.
- Regulatory Knowledge: Understanding of banking regulations and compliance standards.