Credit Underwriting Analyst

Mercury

128d • $107,500 - $134,300

About The Position

As a Credit Underwriter at Mercury, you will be joining a team of lending experts with experience spanning unsecured cards to secured commercial credit. You will help shape our Working Capital loan product designed for eCommerce companies with a vision to extend to all small businesses. You will work directly with prospective borrowers to assess creditworthiness and structure creative lending solutions to support their growth. You will also partner with sales and product teams to innovate the go to market process, underwriting, and portfolio management needs of the rapidly scaling loan program.

Requirements

• 2+ years of experience with financial analysis and interpreting financial performance or assessing risk exposure
• Understanding and excitement for the opportunity to work directly with founders and executives from early-stage startups and e-commerce companies
• Ability and desire to dig into numbers and derive meaningful insights and action
• Eye for detail and an analytical mindset
• Bachelor's degree in accounting, finance, or a related field is a plus

Responsibilities

• Analyze quantitative and qualitative data to summarize the strengths and risks presented in the application
• Lead diligence calls with new customers, when necessary, and help build strong relationships with existing customers
• Structure, price, and propose loan terms that balance the borrower’s capacity to repay and Mercury’s risk posture
• Monitor the ongoing repayment risk of existing loans, restructure delinquencies, collect on past due accounts
• Partner in refinement of credit policy, processes and procedures
• Work cross functionally with Sales, Product, Engineering, Data Science and Design teams to improve the customer experience

Benefits

• Base salary
• Equity (stock options)
• Competitive salary and equity ranges
• Diversity & belonging initiatives
• Equal Employment Opportunity employer

What This Job Offers

• Education Level: Bachelor's degree