Senior Credit Analyst
J
JobgetherFintech Lending
Based in the United StatesFull-TimeSenior
Salary$90,000 – $115,000 USD, plus equity opportunities
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Job Details
- Experience
- 3+ years
- Required Skills
- SQLMicrosoft ExcelGoogle Workspace
Requirements
- 3+ years of commercial underwriting experience within a bank, financial institution, or fintech company.
- Strong understanding of financial statement analysis, credit risk assessment, and lending practices.
- Experience underwriting or managing commercial loan products such as asset-based loans, term loans, factoring facilities, merchant cash advances, or similar products.
- Strong proficiency with Google Workspace, Microsoft Excel, and SQL.
- Exceptional attention to detail with the ability to organize, prioritize, and manage competing responsibilities.
- Self-starter mindset with the ability to independently lead projects and make sound decisions with limited supervision.
- Strong critical thinking and problem-solving skills, with the ability to evaluate complex situations, assess risks, and collaborate with stakeholders.
- Excellent communication skills and the ability to clearly explain financial insights and recommendations.
Responsibilities
- Review commercial loan applications and provide detailed credit analysis to support approval or decline decisions.
- Analyze financial statements, including profit and loss statements, balance sheets, cash flow statements, and key financial metrics.
- Assess borrower performance, identify potential risks, and proactively support efforts to prevent delinquencies and defaults.
- Apply knowledge of lending products, including asset-based loans, term loans, factoring facilities, merchant cash advances, credit cards, and other commercial financing solutions.
- Identify operational gaps within credit processes and recommend improvements to increase efficiency and accuracy.
- Partner with risk operations teams to manage payment failures, investigate escalations, and improve portfolio outcomes.
- Collaborate with finance, capital markets, and other cross-functional teams to ensure accurate reporting for borrowing facilities.
- Conduct periodic underwriting audits to verify compliance with internal credit policies and procedures.
- Support credit leadership with strategic initiatives, process improvements, and additional analytical projects as needed.
- Maintain a strong understanding of customer industries, including consumer packaged goods (CPG), to inform lending decisions.
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