Credit Analyst

LoanBud•Fort Lauderdale, FL

21h•$60,000 - $80,000•Onsite

About The Position

LoanBud is a rapidly expanding fintech focused on supporting small businesses through innovative financing solutions. Our mission is to empower small-business owners by providing streamlined access to capital through SBA and other small-business loans. We foster a culture of growth, teamwork, and dedication to the entrepreneurial spirit. We’re hiring a Credit Analyst to evaluate and prequalify SBA 7(a) transactions, compile complete lender-ready packages, and submit files for underwriting. You will analyze cash flow, build DSCR calculations, collect and track documents, and collaborate with buyers, sellers, brokers, and lenders to move deals efficiently from inquiry to approval. Prior M&A or business-brokerage experience is a plus.

Requirements

Bachelor’s degree in Finance, Accounting, Economics, or related field (or equivalent experience).
1–3+ years in credit analysis, underwriting support, corporate finance, investment banking, or business brokerage; SBA 7(a) exposure preferred.
Strong cash-flow analysis skills with command of DSCR and debt-capacity concepts.
High proficiency in Excel (financial modeling, pivot tables, lookups) and comfort working with PDFs and statements.
Clear written and verbal communication; highly organized, detail-oriented, and deadline-driven.

Nice To Haves

prior M&A or quality-of-earnings experience
familiarity with tax returns and common add-backs

Responsibilities

Deal Screening and Prequalification: Review listings and buyer scenarios for SBA 7(a) eligibility; assess structure, DSCR, working capital, and debt capacity; flag issues and propose mitigants.
Credit Analysis: Build pro forma P&Ls, cash-flow statements, debt schedules, and sensitivity cases; evaluate add-backs, owner compensation, and collateral; summarize strengths, risks, and conditions.
Packaging and Submission: Assemble complete loan packages and lender forms; draft concise credit write-ups; submit to lenders and manage follow-ups through screening and underwriting.
Document Collection: Own checklists and timelines for financials, tax returns, bank statements, personal financial statements, purchase agreements, and related materials; drive stakeholder responses.
Stakeholder Coordination: Communicate with internal teams, buyers, sellers, and brokers; schedule calls; track milestones; keep CRM/LOS records current and accurate.
Process Improvement: Standardize templates and Excel tools; suggest automation to speed analysis and packaging.