Job Description
Join our dynamic finance team at Pacific Coast Financial Partners as a Credit Analyst in Chula Vista, CA! We're urgently seeking a detail-oriented professional to evaluate credit risks and support our lending decisions. This is your opportunity to make an immediate impact in a growing fintech environment with competitive compensation and career advancement.
As a key member of our credit department, you'll analyze financial statements, assess borrower creditworthiness, and prepare comprehensive credit reports. We offer a collaborative culture, cutting-edge tools, and the chance to develop your expertise in risk management while serving diverse clients across Southern California.
Responsibilities
- Analyze financial statements and cash flow projections to evaluate creditworthiness
- Prepare detailed credit reports and risk assessments for loan applications
- Monitor existing loan portfolios for compliance and risk mitigation
- Collaborate with lending teams to structure optimal financing solutions
- Stay updated on industry regulations and credit market trends
- Present findings and recommendations to credit committees
- Maintain accurate documentation in compliance with regulatory standards
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field
- 3+ years of commercial credit analysis experience
- Proficiency in financial modeling software (e.g., Excel, Bloomberg)
- Strong understanding of GAAP and lending regulations
- Credit certification (CRCM, CMB) preferred
- Exceptional analytical and problem-solving abilities
- Excellent written and verbal communication skills
- Experience with portfolio management systems