Job Description
We are currently seeking a highly analytical and detail-oriented Credit Analyst to join our dynamic team in Phoenix, Arizona. In this pivotal role, you will play a crucial part in evaluating creditworthiness, assessing financial risks, and supporting strategic lending decisions that drive our company's success. We pride ourselves on a collaborative culture, offering a competitive benefits package and clear pathways for career advancement.
Why Join Us?
- Competitive salary and comprehensive benefits package.
- Opportunities for professional development and training.
- A supportive and inclusive work environment in the heart of Phoenix.
Don't miss this opportunity to advance your career in finance. Apply today!
Responsibilities
- Conduct rigorous analysis of financial statements, credit reports, and loan applications to determine credit risk and approve or decline credit facilities.
- Develop and maintain credit scoring models, policies, and procedures to ensure alignment with organizational goals and regulatory standards.
- Monitor customer accounts and proactively manage delinquencies, preparing regular reports on portfolio performance.
- Prepare detailed credit memos and presentations for executive review and board meetings.
- Collaborate closely with sales, underwriting, and collections teams to facilitate smooth loan origination and resolution processes.
- Identify trends in the market and recommend adjustments to credit limits based on current economic conditions.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field (Master’s degree preferred).
- 3+ years of proven experience in credit analysis, risk management, or financial services.
- Proficiency in financial modeling, data analysis tools (e.g., Advanced Excel, SAP, Oracle, or similar).
- Strong understanding of banking regulations, compliance standards, and lending practices.
- Excellent verbal and written communication skills with the ability to present complex financial data clearly.
- Strong problem-solving skills and the ability to work well under pressure in a fast-paced environment.