Senior Credit Analyst

Settle•Turlock, CA

14d•$90,000 - $115,000•Remote

About The Position

The Senior Credit Analyst will help support the Credit Department by underwriting loan requests, implementing strategy and process improvement across our lending platform, and assisting the Credit Department management team as needed. It is critical for this person to be able to operate in a fast-paced environment and juggle competing tasks.

Requirements

3+ years of commercial underwriting experience at a bank, financial institution, or fintech company. Fintech experience is preferred, but not required
Thorough analysis of financial statements (P&L, BS, CF) and metrics
Experience underwriting/managing asset-based loans, term loans, factoring facilities, merchant cash advances, credit cards, or other loan products
Strong Google Workspace, MS Excel, and SQL skills required
Meticulously detail-oriented, with the ability to prioritize tasks effectively
Self-starter mentality; ability to work autonomously and lead projects with limited oversight
Critical thinker who can digest complex problems, weigh competing factors, articulate risks, and reach a solution with cross-functional stakeholders
Must be authorized to work in the U.S.; we are unable to provide current or future visa sponsorship.

Nice To Haves

Fintech/startup experience.
Prior portfolio management and/or workout experience a plus
Prior portfolio management and/or workout experience handling distressed or underperforming assets, like:
Non-performing loans (NPLs)
Troubled real estate or business investments
Workout specialists aim to recover value through:
Restructuring debt
Renegotiating terms
Selling off assets
Foreclosure or repossession

Responsibilities

Review commercial loan applications for approval/decline
Have an eye for detail in terms of both financial performance and potential fraud
Have working knowledge of CPG space
Assist the Credit Department to get ahead of potential delinquencies/defaults
Identify process gaps. Suggest and implement improvements
Partner with our risk operations team to manage payment failures and triage escalations
Serve as a cross-functional partner between credit, finance, capital markets, and risk operations to ensure accurate reporting for our borrowing facilities
Periodically perform underwriting audits to ensure we are complying with our internal policies