Senior Credit Analyst
Conducts deep credit assessments for business applications up to $5M+, analyzing financial statements, bank data, and qualitative risks to recommend approve/decline decisions. Requires 5+ years in credit analysis with strong judgment and financial modeling skills.
About the job
What You’ll Do
- Evaluate business credit applications with exposure limits ranging from $50K to $5M+
- Analyze financial statements (e.g. income statement, balance sheet, cash flow), bank transaction data, and real-time business performance
- Assess qualitative factors including industry trends, business model risk, and founder/operator background
- Recommend credit decisions (approve, decline, or modify) with supporting rationale, structuring terms as needed (e.g. limits, tenor, collateral)
- Partner with Sales on customer discussions and structuring complex or higher-risk deals
- Monitor portfolio health and assist in reviews of at-risk accounts or limit increases
- Contribute to evolving Parker’s credit policies, frameworks, and decisioning models
- Serve as a mentor and escalation point for junior credit and risk analysts
What We’re Looking For
- 5+ years of experience in credit analysis, preferably in SMB, middle market, or fintech lending
- Deep understanding of business credit fundamentals and financial analysis
- Strong judgment and a bias toward structured, data-informed decisions
- Experience working with credit systems, financial modeling, and risk scoring frameworks
- Ability to balance risk with commercial outcomes and growth priorities
- Clear communication skills — both in writing and in stakeholder discussions
- Comfortable in a fast-paced, dynamic startup environment
Nice to Have
- Experience with transaction-level data credit analysis (e.g. Plaid, Open Banking)
- Background in fintech, payments, or embedded credit products
- Familiarity with Anti-Financial Crime / KYB controls
Skills
Financial Analysis, Financial Modeling, Credit Systems, Risk Scoring, Plaid, Open Banking, Kyb, Smb Lending, Fintech Lending, Credit Policies
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