Senior Credit Analyst - Baltimore

Overview

This role involves managing and analyzing corporate credit portfolios, developing credit ratings and underwriting recommendations, and presenting complex credit findings to senior credit management in a credit committee setting.

Responsibilities

• Manage a credit portfolio that includes diverse companies (public and private), across investment grade and non-investment grade credits, and middle market to large corporate obligors.
• Perform comprehensive financial statement analysis to assign a company credit rating and recommend underwriting strategy.
• Review and synthesize relevant credit and financial information, including:
  • financial statements
  • tax returns
  • due diligence reports
  • credit bureau information
  • appraisals
  • internal credit information
  • industry research
  • peer data
• Prepare and present complex credit recommendations for large exposures and strategically important credits to senior credit management and other stakeholders in a credit committee setting.
• Develop and maintain relationships with treasury and finance teams to obtain financial data, review financial performance, and discuss business forecasts.
• Author industry sector outlooks to identify underlying market trends.

Requirements

• Bachelor’s degree in Business Administration or Finance; MBA preferred.
• 5–7 years’ experience in banking, insurance, or other financial institutions.
• Strong analytical and critical thinking skills.
• Strong verbal and written communication skills, including the ability to explain complex financial information.
• Proficiency in Microsoft Excel for data analysis and reporting.
• Familiarity with Generative AI tools for research, data insights, and general productivity.

Preferred Qualifications

• Prior fundamental credit training, including financial statement analysis.
• Experience evaluating corporate financial statements of both public and private companies.
• Experience using ratings platforms for company research, financial data, and credit analysis.
• Experience producing thoughtful qualitative and quantitative written analysis.

Compensation & Benefits

Total Compensation Range: $90,000–$115,000

• Placement within the range is based on relevant experience, skills for the role, and location.
• Salary ranges are one component of the total compensation package.

Benefits include:

• Annual bonus eligibility and/or commission structure opportunities
• 401(k) discretionary match of up to 6%
• Flexible work schedules
• Health and wellness benefits
• Paid time off for vacation, illness, Birthday Day Off, and Volunteer Day Off
• Tuition Reimbursement
• Family care resources, including fertility and adoption benefits

Location

Remote work is available.