Credit Risk Analyst - Fintech

<p>A growing financial services and alternative lending organization is seeking a Credit Risk Analyst to support its small business lending and underwriting operations.</p><p>This position will focus on evaluating borrower creditworthiness, analyzing financial performance, assessing lending risk, and monitoring existing credit relationships. The ideal candidate will have hands-on experience underwriting<strong> </strong>small business financing products, including Lines of Credit, Merchant Cash Advances (MCA), factoring, working capital loans, or similar alternative lending products.</p><p>Candidates with experience in fintech, alternative lending, specialty finance, or entrepreneurial financial services environments are strongly encouraged to apply.</p><p><strong>Key Responsibilities</strong></p><ul><li>Evaluate small business loan applications and assess borrower creditworthiness and overall risk exposure.</li><li>Analyze business financial statements, bank statements, cash flow, credit reports, and other supporting financial documentation.</li><li>Underwrite small business financing products, including lines of credit, working capital loans, merchant cash advances, and factoring arrangements.</li><li>Conduct credit risk assessments and provide recommendations regarding financing approvals, credit limits, and loan structures.</li><li>Monitor existing credit relationships to identify potential deterioration in borrower financial performance.</li><li>Review account performance, payment history, and financial trends to identify emerging credit risks.</li><li>Evaluate credit renewals, modifications, and increases to existing financing arrangements.</li><li>Partner with Underwriting, Portfolio Management, Account Management, and senior leadership on credit-related decisions.</li><li>Identify potential credit concerns and recommend appropriate risk mitigation strategies.</li><li>Maintain accurate credit files, financial analyses, and supporting documentation.</li><li>Assist with credit reporting, portfolio reviews, and ongoing risk management initiatives.</li></ul><p><strong>Qualifications</strong></p><ul><li>2+ years of experience in credit analysis, underwriting, credit risk, or small business lending.</li><li>Hands-on experience evaluating credit risk for small business borrowers.</li><li>Experience with Lines of Credit, MCA, factoring, working capital financing, or similar lending products strongly preferred.</li><li>Ability to analyze business financial statements, bank statements, cash flow, and borrower repayment capacity.</li><li>Strong understanding of credit underwriting principles, borrower risk assessment, and portfolio performance.</li><li>Experience within fintech, alternative lending, specialty finance, or smaller financial services organizations preferred.</li><li>Candidates from Account Management or Portfolio Management backgrounds will be considered if they have direct experience evaluating borrower credit risk, reviewing financials, monitoring credit performance, or making credit recommendations.</li><li>Strong analytical, critical-thinking, and problem-solving skills.</li><li>Excellent attention to detail and organizational skills.</li><li>Proficiency in Microsoft Excel and financial analysis tools.</li><li>Ability to work independently and collaborate with cross-functional teams in a fast-paced environment.</li><li>Bachelor's degree in Finance, Accounting, Economics, Business, or a related field preferred.</li></ul><p><br /></p>