Capital Credit Senior Associate, Underwriting and Portfolio Management
Manages Flexport Capital's credit portfolio through monthly financial reviews, risk identification, diligence, compliance operations, and building analytics dashboards with SQL/Python/Looker. Requires 3-7 years in lending/credit risk and technical proficiency in data tools.
Salary not listed
Hybrid3+ YOEFinance & Accounting
About the role
Responsibilities
Lead Portfolio Reviews & Diligence: Manage the monthly financial review process for the entire customer base. Direct Associate support for data gathering, responsible for analysis and identifying red flags in financial statements.
Conduct Active Risk Management: Identify deteriorating credits or anomalies, trigger deeper reviews, lead diligence calls with borrowers.
Prepare Credit Modifications: Evaluate requests for line increases, term adjustments; write loan modification templates/memos with credit diligence and justification.
Own Compliance & Operations: Oversee and improve KYB/KYC, UCC lien filing, and lien management processes; suggest vendors or improvements.
Build & Maintain Analytics: Design portfolio monitoring dashboards aggregating credit, collateral, and operational data; use SQL, Python, Looker for automation and anomaly detection.
Analyze Trends: Monitor borrower and portfolio trends (CRR migration, LGD, DSO, exposure concentration) to inform strategies.
Drive Process Improvement: Improve internal reporting and data quality using low-code tools (SQL, Python, Airtable, Looker, Power Automate).
Requirements
3–7 years of experience in commercial lending, credit risk, or portfolio management (Asset-Based Lending or Working Capital experience highly preferred).
Hands-on experience reviewing financial statements, identifying risk factors, writing credit memos or loan modification justifications; comfortable discussing with CFOs.
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