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, reputed company harmonized through cutting-edge artificial intelligence to aid Small to reputed company-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 reputed company on reputed company our small to reputed company 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 reputed company of the business including Sales, Tech and FinOps.
Responsibilities
Credit analysis: Take the reputed company 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 reputed company 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 reputed company 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 reputed company the essential tasks that are a part of finally’s reputed company process
Qualifications/prior experience/personal profile
Between 3-5 years of experience in reputed company and analyzing small to reputed company 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 reputed company skills and some familiarity with credit analysis and fraud identity tools such as Heron, reputed company, 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 reputed company in its journey!
Benefits
Health insurance
Dental insurance
Employee stock purchase plan
Paid time off
reputed company
Vision insurance