Junior Credit Analyst – Loan Review
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Job Description
Junior Credit Analyst reviewing loans for accuracy and policy adherence at OptimaFI. Analyzing financial data and collaborating with teams in a remote environment.
Responsibilities:
- Review 12–15 loans per day, evaluating risk grading accuracy, underwriting practices, servicing, and adherence to credit policies
- Analyze financial statements, cash flow, collateral, and guarantor support to assess creditworthiness
- Document findings clearly and accurately in a succinct summary using OptimaFI’s proprietary loan review platform
- Deliver consistent, high-quality work while managing volume and meeting deadlines
- Apply sound judgment when evaluating credit risk and identifying potential issues
- Ensure accuracy, completeness, and adherence to OptimaFI’s quality standards
- Collaborate with team members and leadership to ensure alignment and consistency in deliverables
- Adapt quickly to navigate different client systems and data environments
Requirements:
- Bachelor’s degree in finance, accounting, business, or related field
- 3-10 years of credit analysis or underwriting experience in banking
- Strong knowledge of commercial lending (CRE, C&I, construction)
- Experience analyzing financial statements, cash flow, and loan documentation
Benefits:
- Medical, dental and vision coverage
- Flexible PTO
- 401(k) match
- WFH stipend
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