Senior Credit Analyst

• Conduct in-depth analyses of financial statements, credit reports, and other relevant data to assess credit risk
• Prepare detailed written recommendations for loan approvals, including alternative loan structures when necessary
• Utilize financial models and credit scoring systems to evaluate customer creditworthiness
• Develop and present comprehensive reports and presentations to management outlining risks, merits, and mitigation strategies
• Collaborate with other team members to support credit reviews and ensure adherence to company policies
• Monitor and manage the credit application process, including electronic document preparation and contract execution via DocuSign
• Assist in the development and enhancement of credit scoring tools and strategies for improved decision-making
• Provide training and guidance to colleagues on credit analysis processes and tools
• Conduct research on industry trends, guarantor analysis, and statistical data to support credit decisions
• Offer support for accounts receivable and collections processes as needed

• Bachelor’s degree in Business, Accounting, Finance, or a related field is preferred
• Minimum of 4-8 years of experience in credit risk analysis or accounting roles
• Bilingual proficiency in English and Spanish is highly desirable
• Strong analytical skills and attention to detail, with experience evaluating financial ratios and trends
• Proficiency in Microsoft Office Suite, including Excel, Word, PowerPoint, and Outlook
• Familiarity with credit-related systems such as Dynamics AX and Salesforce
• Excellent verbal and written communication skills, with the ability to present complex information clearly
• Ability to work independently while managing multiple priorities effectively

Bilingual proficiency in English and Spanish is highly desirable

• insurance
• vacation
• holiday pay
• 401K
• medical
• vision
• dental
• life and disability insurance