Credit Analyst – Financial Services

About the role

Ferrari Financial Services, Inc. is seeking a Credit Analyst to join its Credit team in Englewood Cliffs, NJ. The analyst will evaluate the creditworthiness of prospective and existing clients, helping the company manage risk while supporting its automotive financing operations.

Key responsibilities

• Assess creditworthiness of existing or prospective clients using credit bureau data and financial statements.
• Examine applications, balance sheets, tax returns, legal documents, and personal financial statements on a case‑by‑case basis.
• Calculate liquidity ratios and trend analyses to identify potential risk.
• Prepare clear, objective credit reports and communicate decisions to stakeholders.
• Monitor loan compliance and corporate portfolio asset quality on an ongoing basis.
• Draft predictive credit models to identify trends and patterns.

Required profile

• Bachelor’s degree in Business Management, Finance or a related field.
• 4–6 years of experience as a Credit Analyst, Commercial or Residential Lending, or Financial Analyst.
• Strong judgment, attention to detail, and ability to work independently.
• Excellent verbal and written communication skills.

Required skills

• Proficiency in Microsoft Word
• Proficiency in Microsoft Excel
• Proficiency in Microsoft PowerPoint
• Proficiency in Microsoft Outlook