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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.

140k – 160kNew York, NYOtherOnsite5+ YOE

About the role

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 AnalysisFinancial ModelingCredit SystemsRisk ScoringPlaidOpen BankingKybSmb LendingFintech LendingCredit Policies

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