Commercial Credit Analyst
2 days ago
Description
• Review enterprise and larger exposure merchants accounts and perform periodic financial statement reviews. • Support underwriting of new and existing non-enterprise merchants to identify and mitigate risk. • Produce written summaries of risk assessment with recommendations for credit approval. • Provide exceptional customer service via phone and email. • Conduct detailed financial statement analysis including trend and ratio analysis. • Maintain accurate reports regarding portfolio status with annual reviews.
Requirements
• Bachelor’s degree required – field of study in accounting, economics or finance preferred. • Minimum 4 years of experience in commercial credit analysis and underwriting in a banking, fintech or merchant services organization. • Experience in independently analyzing and approving companies requesting loans, lines, exposure greater than $500,000. • Advanced excel skills. • Comfortable generating advanced query functions and pivot tables. • Experience performing detailed financial analysis on companies including: Ratio and trending analysis. • Liquidity, Leverage and similar assessments. • Able to identify concerns/red flags in business activity for repayment and/or processing history. • Experience with using Salesforce or comparable CRM tool. • Experience with LexisNexis, Experian, or comparable credit monitoring and compliance tools. • Ability to absorb and disseminate information in a timely manner. • Organized and efficient and able to focus on key priorities. • Ability to listen actively and communicate effectively.
Benefits
• Health, dental, and vision paid 100% by company for you and your dependents • 401k with 6% match • FSA and Dependent Care FSA • Long-term & short-term disability coverage for you paid 100% by company • 8 paid company holidays per year • 2 paid floating holidays per year • 1 paid volunteer day per year • Paid Time Off • Home office equipment stipend • Quarterly “fun budgets” for team bonding events • Opportunity to be part of a company that is changing a whole industry • Opportunity for growth within the company • Opportunity for remote, in-office, or hybrid work
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