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Senior Credit Analyst

Settle

Role overview

Qualifications

  • 3+ years of commercial underwriting experience at a bank, financial institution, or fintech company
  • Thorough analysis of financial statements (PL, BS, CF) and metrics
  • Strong Google Workspace, MS Excel, and SQL skills required
  • Meticulously detail-oriented, with the ability to prioritize tasks effectively

Responsibilities

  • Review commercial loan applications for approval/decline
  • Have an eye for detail in terms of both financial performance and potential fraud
  • Identify process gaps. Suggest and implement improvements
  • Partner with our risk operations team to manage payment failures and triage escalations

Key facts

Hard skills

Financial Analysis Portfolio Management SQL (Programming Language) Process Improvement Asset-Based Lending Loans Factoring (Finance) Google Workspace Project Collaboration

Other skills

  • Analytical Skills
  • Microsoft Excel
  • Detail Oriented
  • Critical Thinking
  • Prioritization
  • Problem Solving

About the company

Settle logo

Settle

Computer Software / SaaS

Settle is on a mission to build cash flow innovation for founders. We are an all-in-one payments solution tailored to the needs of growing consumer brands -- so you can pay bills, manage invoices, and apply for flexible and transparent working capital solutions seamlessly. We make it easier for founders and small business owners to spend time on building the incredible brands we love. Ditch the spreadsheets, manual input and stress. Join the best in CPG brands like Branch, Italic and Lalo using Settle.

Company details

Company typeScaleup
IndustryComputer Software / SaaS
Company size51 - 200

Links

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Job description

About the Role: The Senior Credit Analyst will help support the Credit Department by underwriting loan requests, implementing strategy and process improvement across our lending platform, and assisting the Credit Department management team as needed. It is critical for this person to be able to operate in a fast-paced environment and juggle competing tasks.

What You'll Do:
  • Review commercial loan applications for approval/decline
  • Have an eye for detail in terms of both financial performance and potential fraud 
  • Have working knowledge of CPG space
  • Assist the Credit Department to get ahead of potential delinquencies/defaults
  • Identify process gaps.  Suggest and implement improvements
  • Partner with our risk operations team to manage payment failures and triage escalations
  • Serve as a cross-functional partner between credit, finance, capital markets, and risk operations to ensure accurate reporting for our borrowing facilities
  • Periodically perform underwriting audits to ensure we are complying with our internal policies

 What You’ll Need:
  • 3+ years of commercial underwriting experience at a bank, financial institution, or fintech company. Fintech experience is preferred, but not required
  • Prior portfolio management and/or workout experience a plus
  • Thorough analysis of financial statements (P&L, BS, CF) and metrics
  • Experience underwriting/managing asset-based loans, term loans, factoring facilities, merchant cash advances, credit cards, or other loan products
  • Strong Google Workspace, MS Excel, and SQL skills required
  • Meticulously detail-oriented, with the ability to prioritize tasks effectively
  • Self-starter mentality; ability to work autonomously and lead projects with limited oversight
  • Critical thinker who can digest complex problems, weigh competing factors, articulate risks, and reach a solution with cross-functional stakeholders

Compensation: This role has an annual starting salary range of $90,000 - $115,000 + equity + benefits. Actual compensation is influenced by a wide array of factors including but not limited to your individual skills and experience.

Work Authorization: At this time, Settle is unable to sponsor or take over sponsorship of employment visas. Candidates must be authorized to work in the United States without current or future sponsorship.

Benefits & Perks That We Offer: Flexible PTO, flexible and remote work culture, competitive compensation and equity, health, dental, and vision coverage for you and your dependents, 401k, HSA/FSA, and an Employee Referral Program!

Our Commitment to You: At Settle we know that cultivating diversity and fostering an inclusive work environment is critical to our impact and success. We create an environment where no individual is advantaged or disadvantaged because of their background. We offer equal opportunity employment regardless of race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability status, age, marital status, or protected veteran status.

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MR

Marcus Rivera

Chief Revenue Officer

m.rivera@company.com
linkedin.com/in/marcusrivera
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