Senior Credit Analyst - Client Role

About the Company
We are recruiting for our client, a high growth, dedicated direct lender, focused on small businesses across the country. Our client has a ten-year history and is passionate about empowering and partnering with businesses in their growth journey. In addition to providing fast, flexible financing, our client offers a complete payment processing solution to make the funding process easier and more supportive than ever before. The mission of our client is to refine, enhance, and unify financial products, delivering better solutions for businesses to grow.

About the Role
Our client is seeking a Senior Credit Analyst to join its growing credit and risk team. This role sits at the center of the lending decision process, responsible for evaluating financing opportunities, structuring transactions, and ensuring sound credit decisions across a portfolio of small and mid-sized business borrowers.
The Senior Credit Analyst will partner closely with underwriting and risk leadership to assess borrower financial health, recommend loan terms, and help maintain a high-quality loan portfolio while supporting continued business growth. This role offers meaningful exposure to credit decision-making, deal structuring, and portfolio risk management in a fast-paced lending environment.
The ideal candidate is a highly analytical professional who enjoys digging into financials, evaluating risk, and playing a direct role in approving and structuring financing transactions.

Key Responsibilities

• Perform comprehensive credit reviews including borrower credit reports, background checks, and public record searches such as liens, judgments, bankruptcies, lawsuits, corporate filings, and UCC records.
• Analyze borrower financial performance through detailed review of bank statements, balance sheets, profit and loss statements, tax returns, and accounts receivable reports.
• Conduct cash flow analysis to evaluate repayment capacity and determine overall borrower creditworthiness.
• Recommend loan approvals, credit limits, and deal structures based on financial analysis and internal credit policies.
• Assist in determining loan pricing and repayment structures, including weekly, bi-weekly, or monthly payment schedules.
• Prepare thorough credit memoranda summarizing borrower financial profiles, risk considerations, and underwriting recommendations.
• Collaborate with underwriting and risk leadership to review complex transactions and ensure alignment with credit guidelines.
• Monitor borrower industries and market trends to identify emerging risks and lending opportunities.
• Contribute to the ongoing development and refinement of credit policies, risk frameworks, and lending products.
• Help maintain a disciplined underwriting process that balances portfolio growth with strong risk management.

Qualifications

• Strong financial analysis and credit evaluation skills with the ability to assess borrower risk and repayment capacity.
• Excellent attention to detail with the ability to interpret financial statements and identify key risk factors.
• Strong written and verbal communication skills, particularly in preparing credit memos and presenting recommendations.
• Ability to manage multiple transactions simultaneously in a fast-paced environment.
• Sound judgment and decision-making ability when evaluating complex credit scenarios.
• Collaborative mindset with the ability to work closely with underwriting, risk, and leadership teams.
• Advanced proficiency in Microsoft Excel and financial analysis tools.
• Experience with CRM platforms such as Salesforce or similar systems is preferred.

Preferred Education and Experience

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.
• 2+ years of professional experience in credit analysis, underwriting, or commercial lending.
• Experience evaluating small business financing, short-duration loans, or alternative lending products is strongly preferred.
• Experience in fintech, specialty finance, or non-bank lending environments is a plus.