Junior Credit Analyst / Loan Review

Infusion Marketing

15h • Remote

About The Position

The Junior Credit Analyst / Loan Reviewer is a key contributor to OptimaFI’s loan review operations, responsible for delivering accurate, consistent loan reviews across a variety of financial institutions.
You’ll review a high volume of loans on a weekly basis, assessing credit risk, underwriting quality, and policy adherence. This role is central to maintaining the quality and integrity of client deliverables while operating efficiently in a fast-paced, remote environment.

Requirements

• Bachelor’s degree in finance, accounting, business, or related field
• 3-10 years of credit analysis or underwriting experience in banking
• Strong knowledge of commercial lending (CRE, C&I, construction)
• Experience analyzing financial statements, cash flow, and loan documentation

Nice To Haves

• Experience in loan review, credit analysis, or direct lending
• Familiarity with banking regulations and credit risk best practices

Responsibilities

• Review 12–15 loans per day, evaluating risk grading accuracy, underwriting practices, servicing, and adherence to credit policies
• Analyze financial statements, cash flow, collateral, and guarantor support to assess creditworthiness
• Document findings clearly and accurately in a succinct summary using OptimaFI’s proprietary loan review platform
• Deliver consistent, high-quality work while managing volume and meeting deadlines
• Apply sound judgment when evaluating credit risk and identifying potential issues
• Ensure accuracy, completeness, and adherence to OptimaFI’s quality standards
• Maintain confidentiality when handling sensitive client information
• Collaborate with team members and leadership to ensure alignment and consistency in deliverables
• Adapt quickly to navigate different client systems and data environments including IT connectivity on a weekly basis
• Share insights and observations to support continuous improvement across engagement

Benefits

• Competitive salary plus profit sharing.
• Medical, dental and vision coverage plus Flexible PTO, 401(k) match, and WFH stipend.
• Full ownership of the People roadmap—no legacy bureaucracy.
• A leadership team that values straight talk and rapid experimentation.
• The chance to shape a culture that helps community financial institutions - and your own career – thrive

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level