Credit Analyst

Patrick Industries, a publicly traded company headquartered in Elkhart, Indiana, invites you to join a team of dedicated Team Members who are passionate about delivering high-quality products and exceptional customer service. As a leading solutions provider serving a diverse range of markets across the United States, our commitment to innovation, quality, and sustainability has positioned us as a high growth, diversified and empowered Team of more than 10,000! Your adventure awaits!

We are currently looking to add a Credit Analyst to our Corporate Team! Credit Analysts analyze financial statements, assess risk factors, and prepare reports to support lending decisions, and ensure compliance with regulations and company policies. They play an essential role in helping minimize financial risk while optimizing credit opportunities.

Responsibilities and Duties:

• Analyze financial statements and credit reports to assess the creditworthiness of individuals or businesses.
• Conduct risk assessments and provide recommendations on loan approvals or credit extensions.
• Prepare detailed reports outlining credit risks and financial trends.
• Monitor existing loans and credit lines to ensure compliance with terms.
• Evaluate liquidity, profitability, and credit histories of applicants.
• Develop financial models to support credit analysis.
• Stay updated on lending regulations and industry trends.
• Communicate findings and recommendations to management and stakeholders.
• Assist in audits and regulatory compliance reviews.
• Respond to inquiries from lenders and clients regarding credit decisions.
• Collaborate with other departments to optimize credit policies.
• Maintain accurate records of credit applications and decisions.

Qualifications and Skills:

• Bachelor's degree in finance, accounting, economics, or a related field.
• 5+ years of experience in credit analysis or financial risk assessment.
• Strong proficiency in financial modeling and data analysis.
• Excellent understanding of financial statements, ratios, and credit risk concepts.
• Proficiency in MS Office and financial software.
• Ability to manage multiple deadlines in a fast-paced environment.
• Strong attention to detail and analytical skills.
• Effective communication and presentation skills.
• Knowledge of lending regulations and compliance requirements.
• Ability to work independently and collaboratively with teams.
• Excellent written and verbal communication skills in terms of being clear, concise, and professional
• Self-motivated with the ability to prioritize multiple projects under tight deadlines and work independently with little to no oversight
• Align with Patrick Industries “BETTER Together” mentality by pursuing Balance, Excellence, Trust, Teamwork, Empowerment, and Respect within the organization

At Patrick Industries, BETTER Together is our commitment to being our best while striving to bring out the best in one another as we join forces Individually, as Teams, with our Business Units, with our Customers, our Communities and within our entire Patrick family.

Patrick is an Equal Opportunity Employer.