Senior Credit Analyst

Pay: $ - $ per year

• Step into a high-impact credit seat where your cash flow analysis directly drives smart lending decisions
• Work closely with senior leadership and influence how credit policy and products evolve as we grow
• Get real ownership: review complex deals, make recommendations, and see the outcomes of your work
• Join a diligence-driven team that moves quickly, values precision, and rewards strong judgment
• Competitive base salary plus benefits and performance upside

Location: Midtown Manhattan, NY (fully on-site, Monday–Friday, 9:30 AM–6:00 PM)

Note: This role requires 3+ years of credit analysis or underwriting experience with strong cash flow analysis (this is the most important skill for success in this role).

We're a financial services company focused on helping small businesses access capital and manage cash flow through lending and payments solutions. Our approach is diligence-first: we move fast, underwrite thoughtfully, and aim to deliver an excellent customer experience without sacrificing credit quality. Confidential Employer.

• Analyze borrower cash flow using bank statements, P&Ls, balance sheets, tax returns, and A/R detail
• Evaluate credit risk using credit reports, public records, UCC filings, liens, judgments, and bankruptcy history
• Recommend approval terms, loan sizing, and risk-based structure based on cash flow strength and overall profile
• Price deals and structure repayment terms using internal frameworks and portfolio risk standards
• Write clear credit memos that document assumptions, risks, mitigants, and rationale for decisions
• Partner with underwriting and leadership to review escalations and higher-complexity files
• Communicate with internal teams and, when needed, directly with business owners to clarify financials
• Monitor trends and contribute ideas that improve credit policy, decision quality, and portfolio performance
• Mentor and support junior analysts/underwriters as you grow into a leadership lane

• 3+ years in credit analysis, underwriting, commercial finance, or a similar role
• Demonstrated strength in cash flow analysis (bank statement analysis and business financials)
• Strong Excel skills (comfortable building and auditing models and analysis outputs)
• Excellent attention to detail and the ability to make sound decisions in a fast-paced environment
• Clear communicator who can explain analysis and recommendations succinctly
• Bachelor's degree in finance, accounting, economics, business, or similar (or equivalent experience)

You'll be surrounded by people who value accuracy, move with urgency, and take pride in doing the work the right way. If you like digging into financials, thinking critically about risk, and having your analysis matter, you'll feel at home here. We also invest in growth: strong performers get more ownership, broader scope, and leadership opportunity.

Job Type: Full-time

• Dental insurance
• Paid time off
• Vision insurance