Analyst - Credit Underwriting

Job Description

As a Credit Underwriting & Operations Analyst at our company, you will play a crucial role within the Risk team by assisting in the day-to-day manual analysis of new customers on the platform. Your responsibilities will include performing customer-level credit underwriting decisions across various B2B products, such as corporate spend cards, EOR, COR, payroll, and PEO. This will involve ensuring adherence to established credit policies, procedures, and risk frameworks reviews using both external and proprietary data sources. You will work under the supervision of senior risk members and be required to utilize standard operating procedures and internal credit tooling to evaluate applications.Key Responsibilities:- Perform customer-level credit underwriting decisions across multiple B2B products- Utilize defined standard operating procedures and internal credit tooling to ensure minimum approval criteria are met- Action daily applications pended into assigned queues- Drive improved performance against established KPIs- Collaborate with the internal sales team to verify the required documents from customers for approvalQualifications Required:- Minimum 1-2 years of experience in credit risk, preferably in SMB/MM commercial lending- Strong expertise in financial statement analysis- Solid understanding of credit risk underwriting and commercial credit products- Experience in credit risk operations within digital/mobile-based environments preferred- Ability to manage multiple tasks with attention to detail- Demonstrated decision-making ability with high accuracy and confidence- Willingness to work in flexible shifts, including PST hoursIn terms of educational qualifications, a Masters in Finance or Masters in Business Administration is highly desirable. A Bachelors degree in Commerce, Finance, Accounting, or a related field is also acceptable. As a Credit Underwriting & Operations Analyst at our company, you will play a crucial role within the Risk team by assisting in the day-to-day manual analysis of new customers on the platform. Your responsibilities will include performing customer-level credit underwriting decisions across various B2B products, such as corporate spend cards, EOR, COR, payroll, and PEO. This will involve ensuring adherence to established credit policies, procedures, and risk frameworks reviews using both external and proprietary data sources. You will work under the supervision of senior risk members and be required to utilize standard operating procedures and internal credit tooling to evaluate applications.Key Responsibilities:- Perform customer-level credit underwriting decisions across multiple B2B products- Utilize defined standard operating procedures and internal credit tooling to ensure minimum approval criteria are met- Action daily applications pended into assigned queues- Drive improved performance against established KPIs- Collaborate with the internal sales team to verify the required documents from customers for approvalQualifications Required:- Minimum 1-2 years of experience in credit risk, preferably in SMB/MM commercial lending- Strong expertise in financial statement analysis- Solid understanding of credit risk underwriting and commercial credit products- Experience in credit risk operations within digital/mobile-based environments preferred- Ability to manage multiple tasks with attention to detail- Demonstrated decision-making ability with high accuracy and confidence- Willingness to work in flexible shifts, including PST hoursIn terms of educational qualifications, a Masters in Finance or Masters in Business Administration is highly desirable. A Bachelors degree in Commerce, Finance, Accounting, or a related field is also acceptable.

Keyskills :
Credit UnderwritingFinancial AnalysisData ReconciliationRisk ManagementFinancial Statement AnalysisCredit PoliciesInterpretation of Financial StatementsCommercial Credit ProductsCredit Risk Operations