Credit Analyst, New Verticals
On-site · Charlotte, North Carolina, United States
Job Summary
Analyze bank statements, management accounts, and non-financial data of new and existing customers to understand cash conversion cycles, repayment capacity, and overall collectability. Identify and assess risks involved in funding various business types and lead customer calls to validate trading activity. Collaborate with Credit Strategy and Product teams to refine lending frameworks, scoring models, and credit policies. Must have 1-3 years of experience in relevant fields and a strong understanding of financial statements.
Required Qualifications
- 1-3 years of relevant experience in commercial lending, underwriting, or credit risk within a bank, fintech, or fund
- Portfolio management or structured credit experience (e.g., secured lending, RCFs, revenue-based financing)
- Strong understanding of financial statements and credit analysis (P&L, balance sheet, cashflow)
- Comfort leading regular internal and external (client-facing) meetings and presenting findings and recommendations to senior stakeholders
Desired Qualifications
- CPA, CFA, or equivalent accounting/finance qualification (or currently pursuing one)
- Exposure working with global teams
- Experience in data-driven underwriting or fintech environments
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