Commercial Credit Analyst
About finally
finally is one of America’s fastest-growing and most exciting fintech companies, focused on being the premier financial automation platform for SMBs. Our innovative product suite integrates Credit & Banking, Billing & Invoicing, Bookkeeping, and Taxes, all harmonized through cutting-edge artificial intelligence to aid Small to Medium-sized businesses. Finally aims to declutter financial operations, providing businesses with a seamless financial journey, allowing them to focus on what truly matters – their growth.
We’re headquartered in sunny South Florida and we raised $200 million dollars just in 2024 to bolster our growth, to innovate, and to continue to serve our customers. Our company has more than 250 individuals today across 3 offices. We’re proud to serve as the official corporate card and spend management platform for iconic sports franchises like the Florida Panthers, Miami Heat, and Chicago Bulls.
As a Senior Credit Analyst at finally, you will take the lead on underwriting our small to medium sized business charge card customers to assess their creditworthiness to be given a finally corporate charge card. You will have the opportunity to shape the quality of the company’s lending portfolio in line with the company’s overall strategy. You will get the chance to work with a variety of teams across the lending side of the business including Sales, Tech and FinOps.
Responsibilities
Credit analysis: Take the lead on performing thorough, relevant and insightful credit analysis on finally’s charge card customers using a variety of credit analysis tools and financial data. The outcome of this analysis will decide whether a customer is approved for finally’s corporate charge card
Assignment of limits: Based on the credit analysis performed, you will assign appropriate credit limits to approved customers in line with finally’s credit policy. These limits represent the financial risk that finally is exposed to so a high degree of care and skill is required while assigning these limits.
Credit Policy refresh: Provide input on an ongoing basis into updating finally’s credit policy to reflect market dynamics and macro scenarios. This requires the ability to distill credit analysis skills and wider market knowledge into a blueprint for doing business.
Management and training of junior analysts: as part of your day-to-day responsibilities, you will also train and manage junior analysts to perform the essential tasks that are a part of finally’s underwriting process
Qualifications/prior experience/personal profile
Between 3-5 years of experience in underwriting and analyzing small to medium sized business customers from a credit/lending perspective either at a lending fintech, commercial bank, private credit fund or credit card company
Experience in assigning and managing larger credit limit customers would be ideal
Prior credit/charge card experience is a definite plus
Strong excel skills and some familiarity with credit analysis and fraud identity tools such as Heron, Plaid, Lexis Nexis, Inscribe, Persona etc
MBA from a reputable institution and prior fintech experience is beneficial
Entrepreneurial and ‘can do’ attitude
Ability to work under pressure in a fast paced start-up environment
This is an office based role out of finally’s Boca Raton office
This is an incredible chance for a mid-level credit professional to join finally at an exciting point in its journey!
Benefits
Health insurance
Dental insurance
Employee stock purchase plan
Paid time off
Paid training
Vision insurance