Senior Financial Analyst

17 hours ago


Alpharetta, United States Vaco Full time
Job Description

Vaco is seeking a highly skilled Credit Analyst to join our team. As a Credit Analyst, you will play a critical role in analyzing the financial viability of potential clients and monitoring the existing client portfolio to ensure credit quality and manage risk.

Key Responsibilities:

  • Analyze prospective clients using financial analysis techniques, including balance sheet, income statement, and cash flow measurements, as well as industry factors and portfolio concentration.
  • Establish scalable, efficient, and automated credit analysis processes.
  • Coordinate with teams to develop financial reporting dashboards.
  • Review and make decisions on business credit applications in line with underwriting standards and company guidelines.
  • Assess risk and profitability, communicating credit decisions and negotiating applications effectively.
  • Research, approve/decline, and monitor existing clients for additional exposure.
  • Conduct monthly, quarterly, and annual credit reviews on clients based on departmental procedures.
  • Build relationships with the sales team and maintain credit files, tracking and analyzing financial information.

Qualifications:

  • Bachelor's degree in Business or Finance, with formal commercial credit training.
  • Minimum of three (3) years of commercial credit analysis experience, preferably within a financial institution.
  • In-depth knowledge of credit analysis and commercial credit regulations.
  • Preferred experience with SQL, Python, or R (or similar programming languages) and Excel/VBA.
  • Preferred proficiency in developing Tableau or Power BI dashboards.

Vaco values a diverse workplace and strongly encourages women, people of color, LGBTQ+ individuals, people with disabilities, members of ethnic minorities, foreign-born residents, and veterans to apply.

Vaco is an Equal Opportunity Employer and does not discriminate against any employee or applicant for employment because of race, color, sex, religion or creed, national origin, citizenship, age, disability, status as a veteran, union membership, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, political affiliation, or any other protected characteristics as required by federal, state or local law.



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