Credit Analyst

This is a fully remote position, open to applicants in Maryland.

📋 Description

• Proactively oversee a designated portfolio by gathering pertinent financial and credit information, assessing buyer risk, and assigning credit ratings according to established guidelines.

• Manage credit portfolios for a variety of companies, encompassing both public and private entities, investment-grade and non-investment-grade credits, as well as middle market to large corporate obligors.

• Conduct thorough financial statement analysis to determine company credit ratings and suggest underwriting strategies.

• Analyze financial statements, tax returns, due diligence reports, credit bureau information, appraisals, internal credit data, industry research, and peer comparisons to establish suitable credit ratings.

• Prepare and present intricate credit recommendations on significant exposures and strategically vital credits to senior credit management and other stakeholders in credit committee meetings.

• Build and sustain relationships with treasury and finance teams to acquire financial data, evaluate financial performance, and discuss business forecasts.

• Create industry sector outlooks to identify underlying market trends.

⛳️ Requirements

• Bachelor’s degree in Business Administration or Finance.

• 3-5 years of experience in banking, insurance, or other financial institutions.

• Proven experience in evaluating corporate financial statements from both public and private companies.

• Experience utilizing ratings platforms for company research, financial data, and credit analysis.

• Ability to produce insightful qualitative and quantitative written analyses.

• Proficiency in Microsoft Excel for data analysis and reporting.

• Familiarity with Generative AI tools for research, data insights, and overall productivity.

• Prior fundamental credit training, including financial statement analysis, is preferred.

• An MBA is preferred.

• Exceptional analytical and critical thinking abilities.

• Strong verbal and written communication skills, with the capacity to explain complex financial information effectively.

🏝️ Benefits

• Competitive compensation.

• Annual bonus eligibility and/or commission structure opportunities.

• 401(k) discretionary match of up to 6%.

• Flexible work schedules.

• Health and wellness benefits.

• Paid time off for vacation, illness, Birthday Day Off, and Volunteer Day Off.

• Tuition Reimbursement.

• Family care resources, including fertility and adoption benefits.