Senior Credit Analyst - Business Cards & Payments - Hybrid
About The Position
Build the Future: At BC&P, we bring a builder's mindset to work, just like the business owners we serve. Small businesses are a different kind of customer. They're the people turning ideas into opportunities, and opportunities into livelihoods. When we build for them, we build something bigger. That's why we have a high bar for quality. We own the work end to end, turning today's insights into tomorrow's results, together. We're relentlessly curious. We ask the hard questions. We make space for the best ideas to win. Because that's how we create impact we can be proud of. We are seeking a proactive, highly analytical professional with strong quantitative judgment and robust communication skills to be accountable for a portfolio of credit line decisions up to $2MM. In this role, you will autonomously manage day-to-day credit evaluations, analyzing both business and personal financial conditions to assess creditworthiness and build comprehensive exposure recommendations. Driven by a high level of curiosity, you will evaluate complex financial statements, merchant spend, revenue sustainability, and overall risk profiles. You will actively collaborate with and present credit decisions to senior approvers, field sales teams, key internal partners, and directly to clients.
Requirements
- Bachelor's Degree or Military experience
- At least 2 years of experience in credit underwriting, financial analysis, or commercial lending
Nice To Haves
- 1+ years of experience holding credit granting authority such as: individual signing authority
- 3+ years of experience with underwriting credit products, business credit cards, or commercial credit facilities.
Responsibilities
- Autonomously and independently manage day-to-day workflow, making well-reasoned credit recommendations on cases up to $2MM exposure.
- Apply robust judgment and advanced analytical skills to evaluate business performance, revenues, profitability, cash flow, and sustainability against policy guardrails.
- Utilize a deep understanding of unsecured credit products, credit cards, and credit facilities to assess risk profiles and structure appropriate solutions.
- Conduct business interviews to understand client business models, sources of revenue, merchant spend, and future projections.
- Demonstrate exceptional service in all interactions with clients and internal partners.
- Prepare clear, concise analytical credit memos supporting decisions, identifying key credit risks, establishing mitigants, and articulating strong business rationale for any policy or procedural deviations.
- Proactively monitor portfolio performance to identify trends and ensure alignment with risk expectations.
- Adhere to all applicable regulations, policy guidelines, and expected execution standards.
Benefits
- comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being
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What This Job Offers
Job Type
Full-time
Career Level
Senior
