Senior Credit Analyst

Company Overview

We are a dynamic and rapidly expanding enterprise financial technology and business services organization operating in a market where credit discipline, financial analysis, risk visibility, portfolio quality, lending strategy, and data-driven decision-making directly influence long-term business performance. Our organization supports commercial customers, enterprise clients, lending programs, credit portfolios, financial partners, risk management teams, business operations, and executive stakeholders that require accurate analysis, strong judgment, disciplined underwriting, and reliable credit recommendations.

As financial markets evolve and businesses face changing economic conditions, credit analysis has become one of the most important functions supporting responsible growth. Organizations need professionals who can evaluate borrower strength, review financial statements, assess repayment capacity, identify risk trends, interpret credit data, monitor portfolio exposure, and provide sound recommendations that balance growth opportunity with risk protection. The Senior Credit Analyst role is central to helping the organization make informed credit decisions while maintaining portfolio quality and financial discipline.

Our company is investing heavily in AI-enabled credit intelligence, portfolio analytics, automated financial spreading, risk scoring models, commercial underwriting tools, digital lending workflows, cash flow analysis, covenant monitoring, credit policy governance, fraud prevention, data quality, and scalable financial operations. We are seeking a highly capable Senior Credit Analyst who can support complex credit reviews, strengthen underwriting quality, analyze financial performance, and provide practical insight to business and risk leaders.

This is not a traditional credit analyst role focused only on basic ratio calculation, file preparation, or routine credit memo support. The Senior Credit Analyst will serve as a trusted credit risk partner responsible for evaluating financial strength, assessing borrower risk, reviewing credit structures, monitoring portfolio performance, supporting underwriting decisions, and helping leadership understand risk exposure across customers, industries, and credit products.

The selected candidate will work closely with Credit Risk, Underwriting, Portfolio Management, Finance, Sales, Account Management, Legal, Compliance, Operations, Data Analytics, Treasury, and Executive Leadership to ensure credit decisions are supported by accurate financial analysis, sound risk assessment, clear documentation, and alignment with credit policy.

This is a strong opportunity for a credit professional who wants to analyze meaningful financial relationships, support enterprise-level lending and risk decisions, work with modern credit technology, and contribute to a scalable credit function within a growing remote-first organization.

Your Role at the Company

As Senior Credit Analyst, you will evaluate creditworthiness, analyze financial statements, assess risk exposure, support underwriting decisions, and help monitor portfolio quality across assigned customers, accounts, lending relationships, or credit programs.

You will be responsible for reviewing financial statements, cash flow performance, balance sheets, income statements, credit reports, collateral data, industry trends, payment history, covenant compliance, and borrower capacity to support accurate credit recommendations.

You will serve as a trusted analytical partner to credit and business leaders while maintaining accountability for analysis quality, documentation accuracy, risk identification, policy alignment, and timely decision support.

The ideal candidate combines strong financial analysis, commercial credit judgment, risk awareness, documentation discipline, communication strength, and the ability to translate complex financial information into clear business recommendations.

What You’ll Do

Analyze borrower financial statements, tax returns, cash flow, leverage, liquidity, profitability, working capital, collateral position, payment history, and repayment capacity.

Prepare detailed credit analyses, credit memos, risk summaries, underwriting support materials, portfolio reviews, covenant assessments, and executive-ready credit recommendations.

Evaluate new credit requests, renewals, extensions, restructures, amendments, exposure increases, and customer account changes according to credit policy and risk standards.

Review business performance trends, industry conditions, macroeconomic indicators, customer behavior, account history, and financial ratios to identify credit strengths and weaknesses.

Assess credit risk across commercial customers, enterprise clients, business accounts, lending relationships, vendor credit programs, or financial exposure portfolios.

Partner with Underwriting, Portfolio Management, Sales, Account Management, Finance, Legal, Compliance, and Operations to gather required documentation and resolve credit questions.

Monitor assigned portfolio activity, including credit exposure, delinquency trends, covenant compliance, payment behavior, utilization, concentration risk, and early warning indicators.

Support credit policy execution by ensuring credit files include proper analysis, approvals, documentation, financial support, risk ratings, and decision rationale.

Perform financial spreading, ratio analysis, cash flow analysis, sensitivity analysis, collateral review, guarantor review, and risk rating support.

Identify emerging risks such as declining liquidity, margin pressure, leverage increases, customer concentration, late payments, covenant issues, fraud indicators, or industry deterioration.

Prepare portfolio performance reports, credit trend summaries, customer risk updates, exception reports, and leadership briefing materials.

Support credit committee meetings, portfolio reviews, audit requests, regulatory reviews, internal control processes, and credit governance activities.

Recommend practical credit actions, including approval conditions, credit limits, monitoring requirements, covenant adjustments, risk rating changes, or escalation steps.

Improve credit processes by identifying documentation gaps, data quality issues, manual workflow challenges, inconsistent analysis, and opportunities for automation or standardization.

What You’ll Bring

6+ years of experience in credit analysis, commercial underwriting, portfolio management, corporate finance, banking, lending operations, risk management, financial analysis, or credit administration.

Experience working within financial services, fintech, commercial banking, equipment finance, asset-based lending, SaaS finance, business services, healthcare finance, manufacturing finance, or enterprise credit environments preferred.

Strong understanding of financial statements, cash flow analysis, credit risk, commercial lending, balance sheet analysis, income statement analysis, liquidity, leverage, debt service coverage, collateral, and repayment capacity.

Experience preparing credit memos, underwriting packages, portfolio reviews, risk assessments, covenant analyses, financial spreads, and credit recommendations.

Familiarity with credit systems, loan origination systems, CRM platforms, financial spreading tools, reporting tools, and business intelligence platforms such as Salesforce, nCino, Moody’s Analytics, S&P Capital IQ, Experian, Equifax, Dun & Bradstreet, FIS, Fiserv, Abrigo, Power BI, Tableau, Excel, Google Workspace, or similar platforms preferred.

Strong Excel or Google Sheets skills, including financial modeling, ratio analysis, pivot tables, lookups, data validation, variance analysis, trend analysis, and structured reporting.

Experience reviewing customer financial documentation, tax returns, bank statements, credit reports, borrowing base information, accounts receivable aging, inventory data, and collateral support preferred.

Familiarity with credit policy, risk ratings, covenant monitoring, concentration risk, compliance requirements, audit support, and portfolio governance preferred.

Ability to work with Credit Risk, Underwriting, Portfolio Management, Sales, Account Management, Finance, Legal, Compliance, Operations, Data Analytics, Treasury, and executive stakeholders.

Excellent analytical thinking, written communication, financial judgment, documentation, problem-solving, stakeholder management, and follow-through skills.

Bachelor’s degree in Finance, Accounting, Economics, Business Administration, Risk Management, Data Analytics, or a related field required.

MBA, CFA progress, CPA, FRM, CRC, commercial credit training, banking certification, or advanced finance education preferred.

Benefits

Competitive compensation package.

Comprehensive medical, dental, and vision healthcare coverage.

Flexible remote-first work environment.

Performance bonus eligibility.

Credit risk and portfolio performance incentive opportunities.

Long-term incentive opportunities where applicable.

Retirement savings plan with company contribution.

Professional development and continuing education reimbursement.

Credit analysis, commercial underwriting, risk management, financial modeling, data analytics, compliance, and leadership development resources.

Wellness and mental health support programs.

Paid time off and company holidays.

Opportunity to support enterprise-level credit decisions, portfolio analytics, risk governance, and financial operations improvement initiatives.

Access to modern credit risk platforms, financial analysis tools, lending systems, reporting dashboards, collaboration tools, workflow systems, and AI-enabled credit intelligence resources.

Personal Capabilities and Qualifications

Strong credit professional with sound financial judgment, analytical discipline, and practical risk awareness.

Detail-oriented and documentation-focused, with the ability to prepare clear credit files, accurate analyses, and well-supported recommendations.

Financially analytical, with the ability to interpret statements, identify trends, assess repayment capacity, and explain risk drivers clearly.

Risk-minded and business-aware, with the ability to balance responsible growth, customer opportunity, credit policy, and portfolio protection.

Strong communicator who can present credit findings, explain risk concerns, ask thoughtful questions, and support decision-making with clarity.

Organized and accountable, with the ability to manage multiple credit reviews, deadlines, portfolio updates, information requests, and stakeholder expectations.

Collaborative and able to work effectively with credit teams, sales partners, finance leaders, legal teams, compliance partners, operations teams, and senior stakeholders.

Calm and objective under pressure, especially during urgent credit requests, portfolio concerns, customer escalations, financial deterioration, or leadership review cycles.

Process improvement-oriented, with the ability to identify gaps, improve documentation, strengthen workflows, and support scalable credit operations.

High integrity and discretion when handling customer financial statements, credit reports, tax records, bank information, lending documents, risk ratings, portfolio data, and confidential business materials.

Strategic Support

Support credit leadership with accurate credit analysis, risk visibility, portfolio monitoring, and decision-ready recommendations.

Help improve portfolio quality by identifying early warning indicators, monitoring exposure, supporting risk rating accuracy, and escalating concerns appropriately.

Support responsible business growth by evaluating customer creditworthiness, repayment capacity, collateral support, and financial performance trends.

Align credit activities with corporate objectives, risk appetite, lending policy, compliance standards, customer strategy, and financial performance goals.

Strengthen credit operations by improving analysis templates, documentation quality, risk summaries, reporting routines, and underwriting consistency.

Support portfolio management initiatives by preparing customer updates, covenant reviews, delinquency insights, concentration analysis, and risk trend reporting.

Contribute to performance improvement programs focused on credit quality, decision speed, data accuracy, risk governance, and scalable financial operations.

Partner with Data Analytics and Technology teams to improve credit dashboards, reporting logic, financial data quality, workflow automation, and credit intelligence tools.

Support audit, compliance, and governance readiness by maintaining accurate documentation, approval evidence, risk assessment support, and credit decision rationale.

Help turn credit analysis into a strategic business capability that supports growth, protects the portfolio, and improves executive decision-making.

Working Conditions

Remote-first credit analysis and financial risk role.

Periodic travel may be required for team offsites, credit committee sessions, customer meetings, finance workshops, company gatherings, risk planning sessions, or strategic portfolio reviews.

High-visibility analytical role supporting credit decisions, portfolio quality, customer risk, and financial performance.

Fast-paced environment focused on responsible growth, risk discipline, financial accuracy, customer outcomes, and operational excellence.

Regular collaboration with Credit Risk, Underwriting, Portfolio Management, Sales, Account Management, Finance, Legal, Compliance, Operations, Data Analytics, Treasury, and leadership teams.

Opportunity to influence credit quality, risk visibility, portfolio performance, underwriting consistency, and business growth decisions.

Requires flexibility during credit review deadlines, renewal cycles, customer escalations, portfolio reviews, financial reporting periods, audit requests, policy changes, and urgent credit decisions.

Role requires handling confidential customer financial information, credit reports, tax documentation, bank records, credit decisions, risk ratings, portfolio data, legal-sensitive materials, and internal strategy documents with discretion.

Job Function

Credit Analysis.

Commercial Credit Review.

Financial Statement Analysis.

Risk Assessment.

Credit Underwriting Support.

Portfolio Monitoring.

Covenant Review.

Credit Memo Preparation.

Financial Modeling.

Cash Flow Analysis.

Credit Policy Support.

Risk Rating Support.

Customer Financial Review.

Credit Governance.

Remote Financial Risk Operations.

Compensation & Benefits

Compensation Package: $300,000 – $410,000

Base Salary: $300,000 – $410,000.

Annual Performance Bonus.

Credit Risk Performance Incentives.

Portfolio Quality and Underwriting Accuracy Incentives.

Long-Term Incentive Eligibility where applicable.

Additional benefits may include:

• Comprehensive healthcare coverage.

• Retirement savings plan with company contribution.

• Wellness and mental health programs.

• Professional education assistance.

• Flexible remote work environment.

• Paid time off and company holidays.

• Credit analysis, commercial underwriting, financial modeling, portfolio management, risk governance, compliance, and data analytics training.

• Access to modern credit risk platforms, financial spreading tools, CRM systems, lending systems, reporting dashboards, collaboration tools, and AI-enabled credit intelligence platforms.

Equal Opportunity Statement

We are committed to fostering a workplace where innovation, diversity, and inclusion drive meaningful business outcomes. We provide equal employment opportunities to all applicants and employees regardless of race, religion, gender, age, disability, veteran status, sexual orientation, or any other protected characteristic under applicable law.

Why Join Us

Support a high-impact credit function with visibility across risk, finance, sales, portfolio management, and executive leadership.

Help shape responsible growth by providing accurate credit analysis, practical risk insight, and clear financial recommendations.

Work in a remote-first organization using modern credit tools, financial analysis platforms, risk dashboards, and AI-enabled credit intelligence.

Partner with cross-functional teams to improve underwriting quality, portfolio visibility, risk governance, and customer decision support.

Contribute to a company investing heavily in credit analytics, financial technology, automated underwriting workflows, risk monitoring, and scalable financial operations.

Build a strong professional platform by turning credit judgment, financial analysis, and risk discipline into measurable business value.