Junior Credit Analyst

Pay: $65,000.00 - $85,000.00 per year

• Launch your credit career with real deal exposure, not busywork
• Learn directly from experienced underwriters and a Chief Risk Officer
• Build a foundation in cash flow analysis, credit risk, and lending decisioning
• Work in a fast-growing fintech environment where strong performers earn more scope quickly
• Competitive base salary plus benefits and bonus potential

Midtown Manhattan, New York City (fully on-site, Monday–Friday, 9:30 AM–6:00 PM)

To be considered, you must have strong Excel skills and a genuine interest in credit analysis and cash flow review (bank statements and business financials).

We provide lending and payments solutions that help small businesses access capital and manage cash flow. Our team is diligence-driven, collaborative, and focused on making smart credit decisions that support responsible growth. Confidential Employer.

• Review borrower credit reports and support background/public record research (liens, judgments, bankruptcies, UCC filings)
• Assist with cash flow analysis using bank statements, P&Ls, balance sheets, and tax returns
• Support senior underwriters and analysts on credit reviews and more complex files
• Learn and apply internal credit policy, documentation standards, and risk guidelines
• Prepare clear credit summaries/memos for internal review and approval
• Help maintain strong file quality by organizing documentation and ensuring completeness and accuracy
• Communicate questions clearly to internal stakeholders to resolve missing or unclear financial details

• Bachelors degree in finance, accounting, economics, business, or related field (or near completion)
• Proficiency in Excel (formulas, filters, lookups, basic functions)
• Strong interest in lending, underwriting, credit risk, and financial diligence
• High attention to detail, strong organization, and comfort working in a fast-paced environment
• Clear written and verbal communication skills

Youll be surrounded by people who take credit quality seriously and are invested in developing talent. If you like digging into financials, learning how real lending decisions get made, and leveling up quickly through hands-on work, this role is a strong start.

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Job Type: Full-time

• Dental insurance
• Paid time off
• Vision insurance