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
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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.
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Analyze borrower financial performance through detailed review of bank statements, balance sheets, profit and loss statements, tax returns, and accounts receivable reports.
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Conduct cash flow analysis to evaluate repayment capacity and determine overall borrower creditworthiness.
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Recommend loan approvals, credit limits, and deal structures based on financial analysis and internal credit policies.
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Assist in determining loan pricing and repayment structures, including weekly, bi-weekly, or monthly payment schedules.