Senior Credit Analyst

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

📋 Description

• Actively oversee a designated portfolio by gathering pertinent financial and credit data, assessing buyer risk, and assigning credit ratings according to set guidelines.

• Manage a credit portfolio comprising a mix of companies, including both public and private entities, investment-grade and non-investment-grade credits, as well as middle-market to large corporate obligors.

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

• Examine 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 deliver intricate credit recommendations on significant exposures and strategically critical credits to senior credit management and other stakeholders during credit committee meetings.

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

• Generate industry sector outlooks to identify fundamental market trends.

⛳️ Requirements

• Bachelor’s degree in Business Administration or Finance.

• 5-7 years of experience in banking, insurance, or related financial institutions.

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

• Experience in evaluating corporate financial statements for both public and private companies.

• Proficient in using rating platforms for company research, financial data, and credit analysis.

• Capable of producing insightful qualitative and quantitative written analyses.

• Exceptional analytical and critical thinking abilities.

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

• Proficient in Microsoft Excel for data analysis and reporting purposes.

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

• MBA is preferred.

🏝️ Benefits

• Competitive compensation.

• Eligibility for annual bonuses and/or commission structures.

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

• Flexible working hours.

• 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.