Job Description
We are seeking a highly analytical and detail-oriented Credit Analyst to join our dynamic finance team in Washington, DC. In this pivotal role, you will be responsible for evaluating creditworthiness, mitigating risk, and supporting strategic lending decisions for our diverse portfolio. Join a firm that values precision, integrity, and professional growth.
Why Join Us?
- Competitive salary and comprehensive benefits package.
- Opportunity to work in a collaborative and high-growth environment.
- Professional development and certification support.
Responsibilities
- Conduct thorough analysis of financial statements, cash flow projections, and credit applications to assess borrower risk and repayment capacity.
- Prepare detailed credit memos and recommendations for loan approval or denial, adhering to internal policies and regulatory standards.
- Monitor existing portfolio performance, identifying early warning signs of default and recommending corrective actions.
- Utilize financial modeling and Excel to forecast financial trends and assess the impact of economic changes on credit quality.
- Collaborate with underwriting teams and relationship managers to provide strategic insights and support for client negotiations.
- Stay updated on industry trends, regulatory changes, and market conditions to ensure compliance and competitive advantage.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field required; MBA or CFA designation preferred.
- Minimum of 3-5 years of experience in credit analysis, underwriting, or financial risk management.
- Strong proficiency in Microsoft Excel (VLOOKUP, Pivot Tables) and financial reporting software (e.g., SAP, Oracle, or similar).
- Deep understanding of credit risk assessment methodologies, lending regulations, and financial statement analysis.
- Excellent analytical, problem-solving, and decision-making skills with a keen attention to detail.
- Superior verbal and written communication skills, with the ability to present complex data to stakeholders clearly.