Job Description
Join our dynamic finance team in Chula Vista, CA as a Credit Analyst! We're urgently seeking a detail-oriented professional to evaluate creditworthiness, assess financial risks, and support strategic lending decisions. This is a rare opportunity to advance your career in a high-growth financial institution with competitive compensation and comprehensive benefits.
Responsibilities
- Analyze financial statements, credit reports, and market trends to evaluate borrower risk
- Prepare detailed credit memos and risk assessments for loan approval committees
- Monitor existing loan portfolios for compliance and early risk detection
- Collaborate with sales teams to structure optimal credit solutions
- Stay updated on regulatory changes impacting credit policies
- Develop financial models to forecast repayment scenarios
Qualifications
- Bachelor's degree in Finance, Accounting, or related field
- 3+ years of commercial credit analysis experience
- Expertise in financial statement analysis and ratio interpretation
- Proficiency in Excel, SQL, and credit software (e.g., Moody's Analytics)
- Strong understanding of FICO scoring and risk assessment frameworks
- Excellent written and verbal communication skills
- Credit Certification (CRCM) preferred