Senior Credit Analyst

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

📋 Description

• Oversee credit portfolios across 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 analyses to assign credit ratings to companies and recommend strategies for underwriting.

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

• Prepare and deliver detailed credit recommendations regarding significant exposures and strategically vital credits to senior credit management and stakeholders during credit committee meetings.

• Build and sustain relationships with treasury and finance teams to gather financial data, assess financial performance, and discuss business projections.

• Write industry sector outlooks to identify essential market trends.

⛳️ Requirements

• Previous training in fundamental credit analysis, particularly in financial statement evaluation, is preferred.

• Experience in assessing corporate financial statements for both public and private firms.

• Proficient in utilizing ratings platforms for company research, financial data analysis, and credit evaluations.

• Demonstrated ability to produce insightful qualitative and quantitative written analyses.

• Exceptional analytical and critical thinking abilities.

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

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

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

• Bachelor’s degree in Business Administration or Finance is required.

• An MBA is preferred.

• 5 to 7 years of experience in banking, insurance, or other financial institutions.

🏝️ Benefits

• Competitive compensation package.

• Eligibility for annual bonuses and/or commission structures.

• 401(k) plan with discretionary matching contributions of up to 6%.

• Flexible working hours.

• Comprehensive health and wellness benefits.

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

• Tuition reimbursement program.

• Family care resources, including support for fertility and adoption.

• Resources and support for maintaining a work-life balance.

• Commitment to equal opportunity and an inclusive workplace.