Credit Analyst

2 months ago

San Rafael, United States The Pasha Group Full time

Description

Position at The Pasha Group

Information for California residents

about our collection and use of job applicant personal information can be found here: Privacy Practices

Job Summary The Credit Analyst is responsible for evaluating creditworthiness and providing credit recommendations for existing and prospective clients through analysis of financial data and assessment of risk factors.

Primary Objectives

Meticulous analysis of financial data, risk factors, and collateral value. Accurate and well documented recommendations for credit decisions. Effective communication between applicants, business units, and management teams. Compliance with applicable regulations and policies. Duties and Responsibilities

Evaluate financial statements, credit reports, and other financial documents to assess the creditworthiness of applicants. Review income statements, balance sheets, cash flow statements, and financial ratios to assess the financial health of customers. Identify recent payment trends, anomalies, and potential risks in financial data. Collaborate with sales teams to understand customer needs and tailor credit recommendations accordingly. Assess the level of risk associated with extending credit to individuals or businesses based on financial analysis and market conditions. Evaluate collateral, if applicable, to determine its value and its potential to mitigate credit risk. Consider industry trends, economic factors, and regulatory changes that may impact credit risk. Make recommendations regarding credit decisions, including approving, denying, or modifying applications based on established criteria and risk tolerance. Communicate credit decisions effectively to stakeholders. Document credit decisions and maintain accurate records of credit evaluations. Collaborate with Treasurer, business development, and other stakeholders to gather information and ensure that credit decisions align with organizational goals and policies. Communicate with applicants to gather additional information, clarify financial data, and address any concerns or questions. Build and maintain relationships with clients, providing support and guidance throughout the credit evaluation process. Ensure compliance with regulatory requirements, internal policies, and industry standards related to credit analysis and lending practices. Stay updated on changes in regulations, industry best practices, and emerging trends in credit analysis. Other duties as assigned. QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education

Bachelor's degree in Finance or related field or equivalent combination of coursework and experience in directly-related field required Work Experience

3+ years' related credit analysis experience required Required Knowledge, Skills and Abilities

Demonstrated knowledge of corporate credit analysis and communications. Ability to build analytical reports from credit data and effectively communicate findings. Strong quantitative and analytical thinking skills. Strong problem solving and multi-tasking skills with a high degree of attention to detail. Ability to prioritize tasks to complete deliverable items within required timeframes. Strong verbal and written communication and interpersonal skills. Demonstrated proficiency with Microsoft Office products at the following levels: ? Excel: Advanced level of skill ? PowerPoint: Intermediate Level of skill ? Word, Outlook: Intermediate level of skill Competencies

Delivers Results

Rigorously drives self and others to achieve high levels of individual and organization performance. Focuses on the Customer & Market

Continuously evaluates what is important to the customer/client and develops products or solutions that exceed expectations. Makes Sound Business Decisions

Makes timely and well-informed decisions that advance critical priorities, capitalize on new opportunities, and resolve problems. Practices our Values

Supports and models The Pasha Way; conduct reflects Excellence, Honesty, Integrity, Innovation and Teamwork. Engages & Inspires Others

Leads with energy, self-confidence and understanding in ways that motivate colleagues to achieve more than they thought possible. PHYSICAL DEMANDS, WORK ENVIRONMENT, AND TRAVEL Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Hear and speak with sufficient clarity to understand and engage in telephonic information exchange; hear and understand verbal instructions; give and receive information verbally in person or via communication device - Often Walk/travel within office environment, crouch/bend to access floor-level storage - Often Use hands/fingers to operate office equipment, type/complete data input, write - Often Reach with hands, arms; lift, move and manipulate objects weighing up to 20 pounds - Regularly Sight sufficient to read instructions, documents, and screen-based information - Often Use hands/fingers to manipulate and file documents, folders, small objects - Regularly Working Environment This role requires work that may involve the following environmental conditions:

Corporate office environment Screening Requirements Background Checks

Must be fully vaccinated against COVID-19, except as prohibited by law. The information included in this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive or exhaustive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

The applicable salary range is aligned to one of 5 zones according to a cost of labor index for the geographic location of the role. Starting pay for the successful applicant will depend on a variety of job-related factors, which may include related experience, education and training, location, business needs, or market demands. The expected salary range for this role is set forth below. Ranges may be modified in the future.

Zone 1

: Starting rate $36.00; up to $50.00 for highly qualified candidates The Pasha Group family of companies are EOE/AA Employers - Minority/Female/Veteran/Disabled/and other Protected Categories

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