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Financial Credit Specialist

2 months ago


San Rafael, California, United States The Pasha Group Full time
Position Overview
As a pivotal member of The Pasha Group, the Credit Analyst plays a crucial role in assessing the creditworthiness of both existing and potential clients. This involves a thorough examination of financial information and an evaluation of associated risk factors.

Key Responsibilities
1. Conduct detailed analyses of financial documents, including income statements, balance sheets, and cash flow statements, to determine the financial stability of clients.
2. Identify trends and discrepancies in payment histories and financial data that may indicate potential risks.
3. Collaborate with sales teams to align credit recommendations with customer needs.
4. Assess risks related to extending credit based on comprehensive financial evaluations and current market conditions.
5. Evaluate collateral values to mitigate credit risks effectively.
6. Stay informed about industry trends, economic factors, and regulatory changes that may influence credit assessments.
7. Document credit evaluations and maintain precise records of all credit-related decisions.

Qualifications
To excel in this role, candidates should possess:
- A Bachelor’s degree in Finance or a related discipline, or an equivalent combination of education and experience.
- A minimum of 3 years of relevant experience in credit analysis.
- Strong analytical skills and the ability to generate insightful reports from financial data.
- Proficiency in Microsoft Office, particularly advanced Excel skills.

Competencies
- Results-oriented mindset with a focus on achieving high performance.
- Ability to make informed business decisions that align with organizational goals.
- Strong communication skills to effectively convey credit decisions to stakeholders.

Work Environment
This position is primarily office-based, requiring regular interaction with various teams and stakeholders to ensure comprehensive credit evaluations. The role demands attention to detail and the ability to manage multiple tasks efficiently.