Job Description
We're urgently seeking a detail-oriented Senior Credit Analyst to join our dynamic finance team in Raleigh, NC. This is your opportunity to leverage your financial expertise to drive critical lending decisions while advancing your career in one of America's fastest-growing tech hubs. Immediate start available! Enjoy competitive compensation, comprehensive benefits, and a collaborative culture that values innovation. Apply today to secure your position at the forefront of financial risk management.
Responsibilities
- Analyze financial statements, credit reports, and market trends to assess borrower risk profiles
- Prepare detailed credit recommendations and risk mitigation strategies for commercial lending portfolios
- Monitor existing loan portfolios and identify early warning signs of potential defaults
- Collaborate with senior management to establish credit policies and underwriting guidelines
- Utilize advanced financial modeling tools to forecast cash flows and debt service coverage ratios
- Present complex credit analyses to loan committees with clear, actionable insights
- Stay updated on regulatory changes impacting lending practices and compliance requirements
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field (MBA preferred)
- 5+ years of progressive credit analysis experience in commercial banking or financial services
- Expert proficiency in financial statement analysis and ratio interpretation
- Strong working knowledge of FICO scoring models and credit risk assessment frameworks
- Advanced Excel skills with experience in building complex financial models
- Professional certification (CRCM, CFA, or FRM) highly desirable
- Demonstrated ability to manage high-volume credit portfolios under tight deadlines
- Excellent communication skills with experience presenting to executive stakeholders