Credit Products Specialist I

Location: Newport Beach, CA 92660, United States

Salary: $82,163.25–$131,435.00 per year

Company

hirify.global is a commercial banking organization providing lending, credit, and financial services.

What you will do

• Support the underwriting, structuring, and management of commercial credit relationships across assigned banking lines of business.
• Analyze financial statements, assess borrower creditworthiness, and prepare credit approval packages.
• Monitor financial trends, covenant compliance, borrowing bases, and portfolio risks.
• Collaborate with sales representatives, relationship managers, credit officers, and internal stakeholders to structure loan transactions and address underwriting questions.
• Analyze and resolve portfolio-related issues, make decisions using independent judgment, and support special projects.
• Maintain compliance with applicable federal, state, and local laws, regulations, and internal policies.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or a related field, or 5+ years of equivalent experience.
• At least 3 years of experience in credit underwriting, portfolio management, or a related field.
• At least 3 years of experience in a specialized commercial banking, capital markets, corporate banking, or related line of business.
• Strong financial analysis, risk assessment, analytical thinking, and communication skills.
• Basic understanding of loan structuring and credit agreements, with proficiency in financial modeling and credit decision tools.
• Intermediate Excel skills, including financial modeling, pivot tables, and VLOOKUP.

Culture & Benefits

• Medical, dental, vision, life, and disability insurance.
• Comprehensive leave program.
• Equal opportunity employment and compliance-focused workplace practices.
• No unusual physical exertion is required for the role.