Senior Credit Analyst

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