Junior Credit Decisions Analyst

YouLend • Atlanta, GA

1d • Onsite

About The Position

YouLend provides technology and financing solutions that help partners offer fast, flexible funding to their merchants. The company has built a strong product, secured significant partnerships, and grown quickly. The global opportunity remains substantial, and the company is still early in its journey, offering employees the chance to take ownership, influence how work is done, and grow alongside the business. The Credit Decisions team is expanding to meet growing demand for YouLend's technology and services. The role involves using YouLend’s proprietary tools to assess and price merchant financing applications, reviewing financial and operational information, identifying potential risks, and supporting accurate, timely credit decisions. The Junior Credit Decisions Analyst will also work closely with the Credit Risk team, contribute ideas to improve processes, and help ensure the accuracy and completeness of information used for decision-making. This is an excellent opportunity to develop practical experience in underwriting and credit risk within a fast-growing fintech business.

Requirements

• Strong analytical and problem-solving skills.
• The ability to interpret data, identify relevant information, and reach sound conclusions.
• Intermediate Excel skills, including pivot tables, lookup functions, and data visualization.
• A high level of accuracy and attention to detail.
• Clear written and verbal communication skills.
• The confidence to explain your reasoning and contribute to discussions.
• Strong organization and time-management skills.
• The ability to manage competing priorities in a fast-paced environment.
• A proactive and adaptable approach to work.
• An interest in credit risk, financial analysis, data, and technology.
• Relevant experience can come from employment, internships, academic work, or other practical settings.

Nice To Haves

• Previous experience in credit, underwriting, lending, financial analysis, or another data-focused role.
• A degree or equivalent practical experience in finance, economics, data science, mathematics, or a related subject.
• An understanding of small-business finance, cash-flow analysis, or credit risk principles.
• Experience in fintech, financial services, or a fast-growing technology business.

Responsibilities

• Review and underwrite merchant financing applications in line with YouLend’s credit policies and risk appetite.
• Use Excel and internal tools to analyze financial and operational data.
• Identify trends, patterns, and potential risks that may affect a merchant’s creditworthiness.
• Assess applications and make or recommend clear, well-reasoned credit decisions.
• Validate the accuracy, completeness, and consistency of information provided for each deal.
• Clearly document the reasoning behind each decision.
• Escalate complex or higher-risk applications when appropriate.
• Work closely with other teams to support consistent decision-making.
• Manage applications efficiently while maintaining high standards of accuracy and quality.
• Suggest improvements to processes, controls, automation, and internal tools.
• Contribute feedback as YouLend’s credit decisioning processes continue to develop.

Benefits

• Health Care Coverage (YouLend covers 80%; employee contribution is 20% of the premium).
• Medical Plan (medical insurance and prescription drug coverage) - Choice of 5 different plans through United Healthcare.
• Dental plan coverage.
• Vision plan coverage.
• Retirement - 401K match (Employee match $1 for $1 up to 5% of salary).
• Basic Life & AD&D Insurance.
• International travel insurance covered if traveling abroad for work purposes.
• Paid Time Off (PTO) - 20 working days (4 weeks) + US public holidays.
• Paid Office Parking.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Associate degree