About Company
Goldman Sachs is a leading global investment banking, securities, and investment management firm that provides a wide range of financial services to a substantial and diversified client base that includes corporations, financial institutions, governments and individuals. Founded in 1869, the firm is headquartered in New York and maintains offices in all major financial centers around the world. At Goldman Sachs, we believe who you are makes you better at what you do. We are a firm of individuals who are passionate about their work, committed to their clients and who share a common set of values. We are a diverse group of problem-solvers who are dedicated to making a difference, both at the firm and in the communities where we live and work. We foster a culture that values collaboration, innovation, and integrity, encouraging our people to reach their full potential. Join us and contribute to our legacy of excellence and client-first approach in an environment that champions growth and intellectual curiosity.
Job Description
We are seeking a highly motivated and analytical Credit Analyst to join our dynamic team with an immediate start in our Otay Ranch, Chula Vista office. This critical role involves conducting comprehensive credit analysis on a diverse portfolio of clients and transactions, playing a pivotal part in the firm’s risk management framework. As a Credit Analyst, you will be instrumental in assessing creditworthiness, identifying potential risks, and providing actionable insights to support informed lending and investment decisions across various business lines. You will be responsible for preparing detailed financial models, conducting industry research, and presenting your findings to senior management and credit committees. This is an exceptional opportunity for a driven professional to contribute directly to the financial integrity and strategic growth of Goldman Sachs, working within a fast-paced and intellectually stimulating environment. The successful candidate will possess a deep understanding of financial statements, strong quantitative skills, and the ability to articulate complex credit issues clearly and concisely. You will collaborate closely with relationship managers, sales teams, and other risk professionals, ensuring a cohesive approach to client coverage and risk mitigation. This role offers significant exposure to various industries and financial products, providing a robust platform for career development within one of the world’s leading financial institutions. If you are passionate about finance, possess a keen eye for detail, and thrive under pressure, we encourage you to apply and become a key player in our Otay Ranch, Chula Vista team.
Key Responsibilities
- Conduct thorough financial analysis of companies, industries, and economic trends to assess credit risk.
- Prepare comprehensive credit memoranda, including financial projections, risk assessments, and recommendation for credit facilities.
- Monitor existing credit exposures and client portfolios, identifying early warning signs of credit deterioration.
- Develop and maintain financial models to evaluate creditworthiness and potential impacts of various scenarios.
- Collaborate with sales, trading, and investment banking teams to structure transactions and mitigate credit risks.
- Participate in client meetings and due diligence processes as required.
- Ensure compliance with internal credit policies, regulatory requirements, and industry best practices.
- Present credit analysis and recommendations to senior management and credit committees.
Required Skills
- Bachelor's degree in Finance, Economics, Accounting, or a related quantitative field.
- 2+ years of experience in credit analysis, risk management, or a related financial role.
- Strong understanding of financial statements, accounting principles, and financial modeling techniques.
- Excellent analytical, quantitative, and problem-solving skills.
- Proficiency in Microsoft Excel for data analysis and financial modeling.
- Exceptional written and verbal communication skills, with the ability to articulate complex ideas clearly.
- Demonstrated ability to work independently and as part of a team in a fast-paced environment.
- Strong attention to detail and ability to manage multiple priorities effectively.
Preferred Qualifications
- Master's degree or CFA designation (or progress towards).
- Experience with Bloomberg, Refinitiv Eikon, or other financial data platforms.
- Knowledge of various credit products and derivatives.
- Previous experience at a major financial institution or rating agency.
- Familiarity with regulatory frameworks impacting financial services.
Perks & Benefits
- Competitive salary and performance-based bonuses.
- Comprehensive health, dental, and vision insurance.
- Generous paid time off and holidays.
- 401(k) plan with company matching.
- Life and disability insurance.
- Access to professional development and continuous learning programs.
- Employee wellness programs and resources.
- Commuter benefits.
- Opportunities for global mobility and career advancement.
How to Apply
To apply for this exciting opportunity, please click on the application link below. You will be redirected to our career portal where you can submit your resume and cover letter. We thank all applicants for their interest, however, only those selected for an interview will be contacted.