Senior Credit Analyst

Senior Credit AnalystThe Senior Credit Analyst provides data-driven recommendations for new and existing customer accounts, including risk assessment, credit limit approvals, and change proposals. This role requires the ability to research, analyze, and review financial statements and third-party financial data, learn internal systems, and apply company policies effectively. Work in this role directly supports smart financial decisions that protect the company and enable customers to succeed.The ideal candidate has at least five years of relevant experience, can work independently or collaboratively, and thrives in a fast-paced environment while managing multiple priorities. Candidates will have the opportunity to learn from seasoned credit professionals and receive ongoing mentorship, ensuring continued growth and development. The credit team has a supportive culture that values balance and well-being, creating an environment where you can thrive both professionally and personally.Major Duties and ResponsibilitiesConduct in-depth financial analysis of public and private companies, including reviewing financial statements, credit reports, and other resources for domestic and international accounts.Evaluate creditworthiness of prospective and existing customers based on financial data, industry trends, and economic conditions.Continuously monitor credit risk for a portfolio of accounts as new financial data, press releases, or other information becomes available throughout a company's lifecycle.Recommend changes to risk ratings and credit limits based on payment trends, business type, terms, and other factors.Prepare professional and technical communications to effectively convey risk concerns to stakeholders globally, including branch offices, account management, and senior leadership.Obtain, track, and reconcile private company financial statements with precision and accuracy.Approve journal entries within company policies, ensuring accuracy and compliance.Create and update internal processes and procedures; identify opportunities for improvement and efficiency.Prepare and document individual customer summaries, including internal approvals and legal contracts; collaborate with the legal department as needed.Draft internal documents such as Non-Disclosure Agreements and Letters of Guarantee.Provide exceptional customer service to branch locations for a wide range of credit-related inquiries.Perform other projects and duties as assigned.Location Requirement: This position is in-office at our branch located in Scottsdale, AZ. Remote work is not available. Candidates must reside within commuting distance or be willing to relocate.Bachelor's degree in accounting or finance and a minimum of 5 years of related experience.Demonstrated self-motivation and initiative with the ability to work independentlyStrong judgment and ability to work with abstract concepts.Dependable, punctual, and reliable in producing high-quality work.Skilled in problem-solving and able to thrive in a high-volume environment while meeting deadlines.Ability to respond professionally to sensitive inquiries or complaints.Excellent time management and prioritization skills.Strong written and verbal communication skills; capable of drafting persuasive technical emails and participating in impromptu discussions.Ability to read, analyze, and interpret legal and financial documents.Exceptional customer service orientation.Aptitude for learning new software applications quickly.Advanced Microsoft Excel skills (including pivot tables, formulas, and data analysis).