Senior Credit Analyst

Wayflyer•Charlotte, NC

6d•Hybrid

About The Position

Today's SMB's need a capital provider that keeps pace with their growth ambitions. Traditional financing options are slow, cumbersome and often out of reach. That's why we built Wayflyer. Our unique technology allows us to assess businesses in minutes, generate financing offers that reflect their growth potential and send funds in as little as 24 hours. Since launching in April 2020, we've deployed over $5bn to thousands of brands worldwide, backed by Tier 1 banks like J.P. Morgan. We've become a trusted financing partner for some amazing brands, like True Classic , Little Words Project and Kekoa Foods . Teams at Wayflyer are truly cross-functional. You'll be collaborating with ambitious colleagues from around the world - all striving to deliver on a huge opportunity.

Requirements

3+ years of relevant work experience, ideally in one (or more) of the following: an investment or lending role at a bank, fund or fintech
The broader your experience with SME or SMB lending in the US, the better
Ability to analyze and interpret financial reporting presented by companies (e.g. management accounts, financial models, statutory accounts)
Comfort leading regular internal and external (client-facing) meetings and presenting findings and recommendations to senior stakeholders

Nice To Haves

CPA/ACCA/CFA/CIMA qualification
Knowledge of SQL

Responsibilities

Analyze the financial and non-financial data of new and existing customers across a range of sectors to build a clear understanding of their business model, growth trajectory and funding needs
Identify and assess the risks involved in funding a variety of business types
Support and help coordinate regular calls with customers to deepen our understanding of their operations, financial performance and future plans
Work closely with management to design and implement new processes, tools and frameworks that enable us to lend effectively across different industries
Collaborate with our sales and operations teams to understand how customers are acquired and onboarded, and how we build long-term funding relationships
Learn about our loan portfolio and risk management approach, including how we monitor performance, detect early warning signals and exit high-risk positions
Work cross-functionally with product, data, engineering and commercial teams on high-impact projects that shape how we underwrite, fund and support businesses globally

Benefits

Recharge with 25 days of paid annual leave, plus public holidays.
Access support and resources to support your wellbeing, including our Wellbeing @ Wayflyer ERG.
Stay covered with private healthcare, life insurance, and critical illness cover.
We offer generous parental and adoptive leave, including 6 months of paid leave for Primary Caregivers and 3 months of paid leave for Secondary Caregivers.
With our equity scheme, you're not just an employee; you're a stakeholder in our journey.
Enjoy the freedom to work remotely from anywhere in the world for up to 60 calendar days a year.

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