Credit Risk Analyst

About the Company Quantum Lending Solutions redefines small business lending with our diverse and adaptable financial solutions. We are a dedicated lending partner focused on empowering small businesses to achieve their growth objectives. We are committed to fueling the growth of enterprises and small-to-medium businesses (SMBs) with our tailor-made financial services. Recognizing that each business has unique financial needs and growth trajectories, we offer a range of customized solutions. From flexible funding options to strategic financial guidance, we are committed to providing SMBs with the tools and support they need to prosper. Job Summary We are looking for a Credit Risk Analyst to join our team. The Credit Risk Analyst will be responsible for assessing the creditworthiness of loan applicants, evaluating financial statements, and making recommendations on loan approvals. The ideal candidate will have a strong understanding of credit risk principles, financial analysis, and lending practices. This role offers an exciting opportunity to contribute to the growth of a dynamic lending institution and to make a tangible impact on the financial success of small businesses. Key Responsibilities: * Analyze financial statements, credit reports, and other relevant information to assess the creditworthiness of loan applicants. * Evaluate loan applications for completeness, accuracy, and compliance with company policies and procedures. * Conduct financial analysis, including ratio analysis, cash flow analysis, and profitability analysis. * Identify and assess credit risks associated with loan applications. * Make recommendations on loan approvals, denials, and modifications. * Prepare credit risk reports and presentations. * Monitor the performance of existing loan portfolios. * Stay up-to-date on industry trends, regulations, and best practices in credit risk management. * Collaborate with other departments, such as sales, underwriting, and operations. Qualifications: * Bachelor's degree in finance, economics, accounting, or a related field. * 3+ years of experience in credit risk analysis or a related role. * Strong understanding of credit risk principles, financial analysis, and lending practices. * Proficiency in financial modeling and analysis tools. * Excellent analytical, problem-solving, and decision-making skills. * Ability to work independently and as part of a team. * Strong communication, interpersonal, and presentation skills. * Knowledge of lending regulations and compliance requirements. Benefits: * Competitive salary and benefits package. * Opportunity to work in a dynamic and growing company. * Professional development and growth opportunities. * Collaborative and supportive work environment. * Make a direct impact on small business success.