Senior Credit Analyst
About The Position
The Senior Credit Policy Analyst will own the credit policy infrastructure that highlights our fintech-driven lending business. This role will draft, maintain, and continuously refine the policies and underwriting criteria governing a diverse portfolio of fintech relationships, embedded banking programs, and specialty credit initiatives — ensuring everything Quill Bank does is grounded in sound credit judgment, defensible to regulators, and fit for purpose in a dynamic market. This is a high-visibility, high-ownership role. This role will collaborate directly with Risk, Compliance, Legal, and external program fintechs — and you will regularly present policy updates to senior leadership and internal governance committees.
Requirements
- Bachelor's degree in Finance, Business, Economics, or a related field; advanced degree or relevant certification a plus.
- 5+ years of experience in credit risk, credit policy, or underwriting within banking, fintech, or specialty lending.
- Demonstrated experience writing and maintaining credit policies or underwriting guidelines.
- Meaningful exposure to fintech programs, BaaS programs, or third-party lending arrangements strongly preferred.
- Working knowledge of regulatory expectations related to credit risk and third-party oversight.
- Exceptional written communication. Able to translate nuanced credit concepts into precise, readable policy language.
- Sharp credit judgment and analytical rigor. Comfortable drawing conclusions from portfolio data and performance trends.
- Thrives in ambiguity. Adaptable and productive when business models, program structures, or regulatory expectations are shifting.
- Strong cross-functional collaborator with the credibility and communication skills to influence without authority.
- Detail-oriented and organized. This role is the last line of defense on policy documentation quality.
Responsibilities
- Draft, update, and maintain credit policies, underwriting criteria, and exposure limits for all fintech-driven and specialty credit programs.
- Conduct regular policy reviews to ensure alignment with portfolio performance, regulatory guidance, and evolving program structures.
- Track and document policy exceptions, identify trends, and escalate recurring issues to senior leadership with clear, actionable recommendations.
- Evaluate new program proposals and develop or refine the applicable policy framework prior to launch.
- Monitor credit quality, loss trends, and early warning indicators across fintech portfolios while feeding insights directly into policy updates and governance reporting.
- Serve as a subject-matter expert on credit policy for fintech and program fintechs — fielding questions, reviewing proposed model changes, and advising on program modifications.
- Support fintech onboarding due diligence from a credit policy perspective, ensuring new programs are structured within the Bank's risk appetite.
- Ensure all credit policies meet applicable regulatory requirements and internal governance standards.
- Maintain organized policy documentation in support of regulatory exams, audits, and internal reviews.
- Partner with Compliance, Legal, and Risk teams to proactively incorporate regulatory changes into the policy framework.
- Translate credit strategy into clear, workable policy language that internal teams and external fintechs can understand and apply consistently.
- Present policy updates, exception trends, and program recommendations to internal governance committees and senior leadership.
- Contribute to a culture of credit discipline and continuous improvement across the organization.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
