Credit Analyst - Spring/Summer 2027 - Business Cards & Payments - Hybrid
$81,700–$93,300 year
HybridRichmond, Virginia, United States or McLean, Virginia, United States
Job Summary
Analyze business and personal financial conditions to evaluate credit worthiness and prepare detailed recommendations for exposure decisions up to $1M. Assess financial statements and additional data to understand revenues, profitability, cashflow, sustainability, and overall risks. Conduct business interviews to understand client business models, revenue sources, merchant spend, and industry risks. Present decisions to senior approvers, field sales, partners, and clients while presenting clear analysis supporting credit memos. Identify and mitigate key credit risks and request additional information to address identified risks. Monitor portfolio performance to identify trends and alignment to expectations. Adhere to all applicable regulations and execution standards.
Required Qualifications
- Located in the continental United States with in-person attendance at assigned location
- Currently has, or is in the process of obtaining, a Bachelor's degree or higher
- Expectation to complete most recent full-time degree program by May 2027 or earlier
- Strong quantitative skills
- Strong analytical skills
- Strong problem solving skills
- Strong conceptual skills
- Team-oriented traits
- Exceptional interpersonal skills
- Exceptional verbal communication skills
- Exceptional writing skills
Desired Qualifications
- Builder's mindset
- Relentless curiosity
- Motivated
- Fast learner
- Good quantitative skills
- Good analytical skills
- Good communication skills
- Ability to assess financial statements
- Ability to understand revenues, profitability, cashflow, sustainability, and overall risks
- Ability to present decisions to senior approvers, field sales, partners, and clients
- Ability to identify and mitigate key credit risks
- Ability to request additional business and personal information
- Ability to monitor portfolio performance
- Ability to adhere to applicable regulations and execution standards
- Ability to understand client business model, sources of revenue, merchant spend, future projections, market competitiveness, and industry risks
- Ability to prepare clear, concise analysis supporting credit memos
- Ability to address rationale for deviations from credit policy, procedures and guidelines
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