Credit Analyst

Performance Bankers•Las Cruces, NM

13h•Onsite

About The Position

The Credit Analyst is key in making data-backed recommendations through research and analysis of customer financial documents. This role is responsible for analyzing financial data to assess the likelihood of a borrower honoring their financial obligations on behalf of the bank. Position can be located in Las Cruces. It is not a remote position.

Requirements

Bachelor’s degree in Finance, Accounting, or related field required.
2+ years of experience in credit analysis or lending preferred.

Nice To Haves

Experience with Moody’s Analytics or similar software strongly preferred.

Responsibilities

Conducts in-depth financial analysis of loan applications including financial statements, tax returns, cash flow projections, and credit reports.
Evaluates creditworthiness of prospective borrowers based on financial data, industry trends, and economic conditions.
Prepares comprehensive credit presentations outlining the recommended credit structure, terms, and conditions.
Monitors the credit risk of the existing portfolio by reviewing financial statements and conducting regular portfolio reviews.
Works closely with the loan officer to ensure timely and accurate credit decisions are made.
Adheres to all company credit policies and guidelines established by the bank.
Other duties as assigned.