Senior Credit Analyst

We're seeking a dynamic and analytical Senior Credit Analyst who thrives in a fast-paced, detail-oriented environment. This individual will play a key role in credit and risk assessment, partnering closely with senior leadership and underwriting teams to support the quality and profitability of the loan portfolio. This is an excellent opportunity for someone who excels in financial analysis, credit evaluation, and decision-making, and is eager to contribute to the development of innovative lending products.2+ years of experience in credit analysis or underwriting, reporting directly to the CROStrong focus on cash flow analysis, risk assessment, and loan pricing (including pricing caps)Required proficiency in advanced Excel and financial modelingCore underwriting experience evaluating borrower creditworthiness and repayment abilityRegular analysis of P&L statements, balance sheets, and bank statementsManage deal sizes ranging from $100K to $10M, with CRO involvement on $1M+ dealsHigh-volume environment handling ~30 files per day, taking deals from start to finishCollaborative work style with other analysts and credit team membersPreferred experience with Salesforce, plus strong communication and phone skills (including funding calls)Ideal candidate shows confidence, ownership, and mentoring potentialClear growth path toward a Team Lead role with leadership responsibilitiesStrong preference for candidates outside of MCA (merchant cash advance) backgroundsCulture is young, fast-paced, and growth-oriented, favoring driven and ambitious individualsFully on-site, 5 days/week - no exceptionsRole includes credit memo preparation, borrower evaluation, and contribution to credit policy and product development

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