credit analyst

GC Investment Management, LLC

Firm OverviewGC Investment Management LLC provides investment management, valuation, fund accounting, operational and administrative services for direct lending and broadly syndicated loan funds, securitizations and related financings. GC Investment Management LLC is a USVI affiliate of Golub Capital LLC with offices in St. Thomas and St. Croix.Position Responsibilities The Senior Credit Analyst will provide day-to-day support to vertical leads as part of the Credit Monitoring Team. This role will be expected to have finance experience with exposure to best practice valuation methodologies (e.g., use of publicly traded comparable company data, equity waterfalls, cash flow modeling and debt pricing).Responsibilities include:&minus; Working independently and completing tasks including data entry, report creation, meeting support, investment valuations and financial statement analysis&minus; Monitoring, analyzing and valuing a diverse portfolio of debt and equity investments&minus; Communicating with deal professionals to obtain knowledge of our borrowers&rsquo; businesses and operating performance&minus; Tracking pending transactions and amendments to credit agreements&minus; Preparing files for independent valuation firms, including financial statements, due diligence materials and legal documents&minus; Reviewing monthly valuations prepared by independent valuation firms&minus; Performing valuations for illiquid and complex debt and equity investments using appropriate methodologies, supportable assumptions and accurate inputs&minus; Preparing high quality written valuation reports for investmentsCandidate RequirementsQualifications &amp; Experience:&minus; Bachelor&rsquo;s degree (accounting or finance preferred)&minus; 2 &ndash; 4 years of relevant work experience in valuation services, private equity, leveraged finance, venture capital and / or investment banking&minus; CFA credential is a plus&minus; Strong quantitative skills&minus; In-depth understanding of financial statements&minus; Understanding of legal documents including credit agreements&minus; Proven problem-solving ability&minus; Ability to work independently, establish priorities and meet deadlines with limited supervision&minus; Strong interpersonal, verbal and written communication skills&minus; Exceptional attention to detail while still being able to multi-task&minus; Strong knowledge of Microsoft Office products, particularly Excel and Word&minus; Highly motivated, hardworking and driven&minus; Enthusiastic about working in office and creating a Gold Standard hybrid work cultureCompensation &amp; BenefitsCompensation will be commensurate with experience. GCIM offers a full range of benefits which includes medical, dental, vision and 401(k).Please apply on our website at http://gcimanagement.com or by email to hrgcim@gcimanagement.com In addition, please visit our website and complete the Dispute Resolution Agreement. Please print and sign a hard copy of the GCIM Pre-Application Arbitration Agreement and MAIL the signed hard copy Agreement to: GCIM Human Resources, 340 Strand Street, 2nd Floor, Frederiksted, VI 00840GCIM is an Equal Opportunity Employer.Benefits:<ul><li>401(k) matching</li><li>Dental insurance</li><li>Flexible spending account</li><li>Health insurance</li><li>Health savings account</li><li>Life insurance</li><li>Paid time off</li><li>Parental leave</li><li>Vision insurance</li></ul>Work Location: In person

Senior Credit Analyst

Avnet

<div>Who We Are:
We are Newark, an Avnet Company, part of Farnell Global, the fast and reliable distributor of products and technology for electronic and industrial system design, maintenance, and repair. From research and design through prototype to production, we are here to help you access the products and services you need 24/7. With more than 80 years of experience, 47 localized websites, and a dedicated team of over 3,500 employees, we provide every component you need to build the technology of tomorrow.
Farnell Global trades as Farnell in Europe, Newark in North America, and element14 throughout Asia Pacific. We also sell direct to consumers through a network of resellers, and our CPC business in the UK. 
We have been part of the established global technology distributor, Avnet, since 2016. Today, this relationship allows us to support our customers at every stage of the product life cycle, offering a truly unique distribution model, as well as expertise in end-to-end delivery and product design. 
Job Summary:
Minimizes financial risk to the company by investigating and evaluating new and existing customers' creditworthiness and analyzes credit risk. Researches and resolves billing disputes. Recommends and/or implements credit extensions, revocations or collections referrals. 
Principal Responsibilities:<ul><li>
Researches and verifies credit data on customers to establish or update lines of credit.</li><li>
Assesses, recommends and/or approves credit limits.</li><li>
Investigates and resolves customer invoice disputes to facilitate payment from, or issuance of, credit to customer.</li><li>
Reviews customer accounts for aging of unpaid balances and pending orders, solicits payments on overdue accounts, places delinquent accounts on &lsquo;hold&rsquo; status until payment arrangements are secured, determines payment plans/schedules.</li><li>
Follows up on payment arrangements and recommends transfer of outstanding customer accounts to collection agencies.</li><li>
Develops and maintains relationships with outside credit and/or collection agencies.</li><li>
Maintains a variety of files and records associated with delinquent accounts, incomplete files and credit risks.</li><li>
Maintains and updates electronic and/or hard copy files in a timely and accurate manner.</li><li>
Other duties as assigned.</li></ul> 
Job Level Specifications:<ul><li>
Extensive knowledge of the organization, job, practices and procedures, enabling a high level of contribution.</li><li>
Completes complex assignments requiring significant judgment, initiative and problem solving skills.</li><li>
Work is performed under minimal guidance and assigned in the form of desired expectations. Independent judgment is used to determine best approach and creativity is expected to achieve maximum results and handle new situations.</li><li>
Collaboration with internal or external contacts. May participate on teams for special assignments. Responds to requests from senior management, internal and/or external contacts.</li><li>
Actions may have significant impact to department as well as others. Errors may be difficult to detect and remedy and potentially result in loss of customer business, materials, money and/or time.</li></ul> 
Work Experience:<ul><li>
2 years+ of Credit /Collections experience preferably dealing with Outsourced, Attorney or 3rd party agencies.</li><li>
Excellent written and verbal communication skills.</li><li>
Ability to comply to work instructions.</li><li>
Ability to work independently while meeting stated objectives consistently.</li><li>
Excellent knowledge of MS office products especially MS Excel.</li><li>
Ability to learn in-house systems (Siebel and BPCS) including queries.</li><li>
Excellent decision-making skills.</li></ul> 
Education and Certification(s):<ul><li>
High School Diploma or equivalent</li><li>
College degree or classes taken are recommended but not required</li></ul>
#LI-HYBRID
What We Offer:<div>
Our employees work hard to live our values and help us grow. Our total rewards strategy supports Avnet&rsquo;s ability to attract, engage, develop, and reward our employees, while promoting a diverse and inclusive environment. We offer competitive compensation and benefit programs &mdash; from time away and flexible working arrangements to programs supporting employee well-being and opportunities to give back to your community.<ul><li>
Generous Paid Time Off</li><li>
401K and Pension Plan</li><li>
Paid Holidays</li><li>
Family Support (Paid Leave, Surrogacy, Adoption)</li><li>
Medical, Dental, Vision, and Life Insurance</li><li>
Long-term and Short-term Disability Insurance</li><li>
Health Savings Account / Flexible Spending Account</li><li>
Education Assistance</li><li>
Employee Development Resources</li><li>
Employee Wellness, Leadership Development and Mentorship Programs</li></ul>
Benefits listed above may vary depending on the nature of your employment with Avnet.</div>
The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills.
Avnet is an Equal Opportunity Employer committed to providing equal opportunities to all employees and applicants for employment without regard to race, color, religion, ancestry, national origin, sex (including pregnancy), age, marital status, sexual orientation, gender identity or expression, disability, veteran status, genetic information or any other characteristic protected by law. This policy of non-discrimination also applies to religious dress and grooming practices. Avnet will accommodate employee religious dress standards and grooming practices that do not result in undue hardship for the Company. If you are interested in applying for employment with Avnet and need special assistance or an accommodation to apply for a posted position contact our Human Resources Service Center at (888) 994-7669.</div>

Credit Analyst

Hyundai Capital America

<div></div><div><div>Hyundai Capital America (HCA) helps people move forward. Through Hyundai Motor Finance, Genesis Finance, and Kia Finance, we deliver innovative financing, leasing, and insurance solutions to more than 3 million customers and businesses nationwide.
We&rsquo;re a company driven by growth, innovation, and people. At HCA, you&rsquo;ll find opportunities to build new skills, expand your career, and make a real impact&mdash;while working in a diverse, inclusive, and values‑driven environment. We&rsquo;re proud to support our communities through volunteerism, philanthropy, and engaged Employee Resource Groups.
If you&rsquo;re looking for a fast‑paced, collaborative workplace where your ideas matter, join us as we lead the future of financing freedom of movement. Apply today.<div></div> 
WHAT YOU WILL DO
The Sr. Commercial Credit Analyst is required to operate as a self-contained credit unit within the Commercial Credit &amp; Operations Department. This role will perform and coordinate comprehensive credit, collateral and economic reviews of all financing proposals. 
HOW YOU WILL MAKE AN IMPACT
1. Review incoming requests for completeness and interface with Sales for any deficiencies / Interface with Sales/Dealer regarding financial statement questions / Ensure statements and adjustments are accurately reported in Crowe Navigator / Complete quality underwriting package within established time frame
2. Provide Legal with accurate information for document prep / Review terms sheets and loan documents for accuracy and proper execution / Oversee the funding process of new flooring lines and/or loans / Ensure new lines/loans are accurately established in all required systems.
3. Assist the Commercial Portfolio Team as needed/directed with annual reviews, monthly dealer reviews, financial statement entry, audit issues and/or insurance follow up.
4. Contribute to Commercial Credit initiatives and process improvements.<div> 
</div></div><div>
Qualifications<div></div> 
WHAT YOU WILL BRING TO THE ROLE<ul><li>
Minimum 4-6 years of automotive finance credit analysis experience required.</li><li>
Knowledge of financial statements preferred</li><li>
Bachelor&rsquo;s degree in Business or related field.</li><li>
This position will require the development of credit and financial skills in an analytically challenging environment.</li><li>
Solid time management, prioritization skills, and high attention to detail.</li><li>
Proficient in Microsoft Office Suite including Word, Excel and Outlook.</li><li>
Strong written and verbal communication skills</li><li>
Possess a high level of subject matter expertise in all areas supported.</li></ul> 
WE TAKE CARE OF OUR PEOPLE
At HCA, we know our success starts with our people. We offer a comprehensive rewards package designed to support your health, financial wellbeing, and life outside of work &mdash; so you can bring your best every day.
In addition to competitive pay, our benefits include:<ul><li>
Hybrid work schedule offering 4 on-site days and 1 remote day per week</li><li>
Vehicle benefits designed around your role, including monthly allowances and purchase and lease discounts</li><li>
Flexible health coverage with medical, dental, and vision plans, including no cost and low-cost options</li><li>
Annual employer HSA contribution to help offset healthcare expenses</li><li>
401(k) with company match and immediate vesting, so you can start building your future from day one</li><li>
100% company paid life and disability insurance for added peace of mind</li><li>
Wellbeing programs at no cost to you, including gym benefits and health resources</li><li>
Generous parental leave to support growing families</li><li>
Paid Volunteer Time Off, plus a company donation to a charity of your choice</li></ul>
At HCA, our benefits are more than perks &mdash; they&rsquo;re part of our commitment to supporting you at work and in life. Learn more about benefits at HCA! 
WHAT HAPPENS NEXT
Express your interest by submitting an application. Once your application is received, our recruiting team will review your application to see if you meet the basic and preferred qualifications listed on the job description. For more information on our culture, visit our careers page. 
OTHER DETAILS
Our Company is an equal opportunity employer committed to fostering a diverse, inclusive, and respectful workplace&mdash;because we believe diversity builds stronger teams. We comply with all applicable federal, state, and local equal employment opportunity laws and do not discriminate on the basis of race, religion or creed, color, national origin, ancestry, caste, citizenship, sex or gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, disability, medical condition, genetic information, marital status, family care or medical leave status, military or veteran status, political affiliation, or any other characteristic protected by law. Information provided during the application process is requested in good faith and will be used solely in accordance with applicable employment laws. 
California Privacy Notice
This notice only applies to our applicants who reside in the State of California.
 Privacy Policy provides you with notice, at or before the point of collection, about the categories of personal information to be collected from you, the purposes for which your personal information is collected or used, and whether that information is sold or shared, so that you can exercise meaningful control over our use of your personal information. We are providing this notice to comply with the California Consumer Privacy Act of 2018, as amended as amended by the California Privacy Rights Act of 2020 (&ldquo;CCPA&rdquo;).
If you have any questions about CCPA regarding California residents or HCA team members, please contact the Privacy Team at Privacy2@hcs.com.<div> 
</div></div><div>
Primary Location: United States-Texas-Dallas</div><div>
Job: Underwriting Op.</div><div>
Job Type: Regular</div><div>
Overtime Status: Non-exempt</div><div>
Schedule: Full-time</div><div>
Minimum Salary: $80,000.00</div><div>
Maximum Salary: $120,000.00</div><div>
Job Posting: Jun 23, 2026</div></div>

Sr. Commercial Credit Analyst

DOHA BANK

<div>
 
 
 Role Objective
 
 
 
 
 
 
 The
 
 Credit Analyst
 
 will provide operational and analytical support in preparing Credit proposals/applications, ensuring effective monitoring of all aspects of business in terms of credit quality, as per the internal policies and procedures, QCB guidelines and other relevant regulatory framework. The job holder will identify, measure, monitor, control and perform periodic reviews of the risk inherent in the allotted portfolios. The incumbent will analyze customer strengths and weaknesses, providing recommendations, noting any deviations from the policies, and terms, as appropriate, and will prepare and review annual or quarterly reports as appropriate for the portfolios.
 
 
 
 
 
 
 Detailed Roles and Responsibilities:
 
 
 
 
 
 <ul>
 <li>
 Perform all activities, as assigned by the reporting authority, in compliance with regulatory guidelines, and internal policies and procedures.
 </li>
 <li>
 Prepare credit proposals with appropriate interpretations on the financial aspects and identify the risk factors and suggest credit enhancers, as applicable, in consistent with the Credit policies and regulatory framework and provide recommendations.
 </li>
 <li>
 Ensure Internal Credit Rating and RAROC is carried out for all lending clients and update same on annual basis or as and when a new facility is granted, new information available etc.
 </li>
 <li>
 Review to ensure that all credit documents are complete, by identifying documentation deficiencies, if any and report to the respective employees, for timely resolution.
 </li>
 <li>
 Assess the credit worthiness by accumulating pertinent information (strengths and weaknesses relating to historical functional performance) regarding customers for facilities granted/to be granted.
 </li>
 <li>
 Liaise with the respective employees, for clarifications/ rectifications on account of incompleteness of information provided, and to ensure all the Credit applications are completed within the set turnaround time.
 </li>
 <li>
 Review to ensure that all the documentations are in line with the Credit Approvals and credit policies.
 </li>
 <li>
 Review to ensure submission of all required documents in relation to the credit processing, including but not limited to Commercial Registrations, etc.
 </li>
 <li>
 Promptly respond to and/or escalate requests and/or queries raised by the internal and external customers and the Compliance function within prescribed authority as directed.
 </li>
 <li>
 Coordinate with Risk Management function with respect to new/ renewal of limits/input of limits and other related aspects.
 </li>
 </ul>
 
 
 
 
 
 Qualifications and Experience Required:
 
 
 
 
 
 <ul>
 <li>
 University graduate with a degree in Business or Banking or Finance or any other related discipline.
 </li>
 <li>
 Master&rsquo;s degree in Management any other related discipline will be an added advantage.
 </li>
 <li>
 05-08 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline.
 </li>
 <li>
 Experience in credit analysis, with strong understanding of the local banking industry.
 </li>
 <li>
 Fluent in Arabic and English
 </li>
 </ul>
 
 
</div>

Credit Analyst (Wholesale Banking)

Capital City Bank

<div>Credit Analyst/Asset Based Lending - Capital City Bank - More than your bank, your banker.

Hours Mon- Fri 40 Hours

General Summary

This position is primarily responsible for the monitoring of Borrowing Base Clients by requesting, compiling and analyzing all supporting documents on a monthly basis for each borrowing base client and then determining the appropriate action to take on the respective credit line.

Additional responsibilities - Conduct credit investigations and analyze credit information pertaining to loan opportunities. Provides assistance to Commercial Loan Officers and Credit Analyst Manager in making credit decisions through preparation of financial spreadsheets and written analyses focusing on the borrower&rsquo;s historical and projected ability to service existing and any new debt.

All associates at Capital City Bank, Capital City Wealth, and Capital City Home Loans have access to confidential client information and must practice discretion at all times.

Principal Duties and Responsibilities
<ul>
<li>Reviews detailed accounts receivables, inventory accounting records and balance sheets in order to evaluate collateral values for borrowing base certificates.</li>
<li>Input daily activity into the Cadence software and verify that each client&rsquo;s Daily Collateral Report agrees to the balance on the Jack Henry System.</li>
<li>Work with lenders/clients to obtain required documents to properly monitor their ABL.
</li><li>Reviews collateral records to determine compliance with loan agreement reporting requirements.</li>
<li>Review and verify that collateral submitted by clients reconciles to subsidiary schedules such as sales reports, credit memos, and lock box reports.</li>
<li>Review documentation for accuracy and completeness.
</li><li>Accountable for risk management compliance as per policy.</li>
<li>Investigates and resolves collateral discrepancies.</li>
<li>Describe and document all suspicious and fraudulent activity immediately to the Manager
</li><li>Collaborates with Loan Service associates to reconcile all operational aspects to include Jack Henry and Cadence management software system.</li>
<li>Perform timely underwriting and analysis of loan requests and reviews.</li>
<li>Spreads financial statements of commercial clients using Abrigo software and prepares concisely written narrative, focusing on areas of profitability, liquidity, cash flow, industry stabilization and overall capacity to service debt.</li>
<li>Works jointly with Commercial Loan Officers in the preparation of loan packages for the purpose of properly decisioning loan requests. The Credit Analyst&rsquo;s primary focus will be to document the borrower&rsquo;s historical and projected capacity to repay and to make a recommendation as to if and how the Bank should proceed with the request.
</li><li>Performs annual financial reviews of existing large credit exposures to the Bank to ensure those relationships are properly risk rated and that the loan is in compliance with any covenants that may have been established.</li>
<li>Performs annual reviews of significant ACH relationships to ensure approval levels are appropriate and that the risk profile continues to be acceptable.
</li><li>Periodically monitors significant criticized and classified loans as well as other performing loans having higher risk profiles to ensure the relationships are properly risk rated.</li>
</ul>
Employer determines the essential functions of the job.

All associates must understand and adhere to the non-negotiable Banker Standards and commit to practicing SGNNT (smile, greet, name, name, thank you) at all times. Associates will consistently follow policies and procedures as established by Capital City Bank, Capital City Wealth, and Capital City Home Loans, with department managers setting the standard.

Associated Duties
<ul>
<li>Provides additional support to manager and department colleagues.</li>
<li>Completes all assigned/required Bank training within established timelines.</li>
</ul>
Knowledge, Skills and Abilities (KSA) Required

The following KSAs are usually acquired through working experience and/or specialized course(s):
<ul>
<li>Advanced knowledge of software programs including Microsoft Excel, Jack Henry Silverlake, Abrigo, UCC searches, Ansonia and Cadence
</li><li>Organized, detail oriented, and ability to prioritize work and multi-task</li>
<li>Ability to exercise sound and reasonable judgment</li>
<li>Ability to apply initiative and work with little supervision</li>
<li>Ability to communicate effectively and interact positively with all clients as well as fellow associates.
</li><li>Knowledge of Bank operations and general ledger</li>
</ul>
Education

Degree from an accredited University with emphasis on Finance, Business or related field required. Relevant work experience may substitute for the education requirement.

Working Conditions
<div>
<ul><li>Professional office environment and atmosphere.
</li></ul><ul><li>Fast-paced and evolving environment.</li></ul>
<ul><li>Limited travel.
</li></ul><ul><li>In the rare instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within our footprint, it may be necessary for associates to relocate or telecommute before, during or after, to ensure business continuity.</li></ul>
</div>
Capital City Bank associates are our greatest asset. We offer the following benefits:
<ul>
<li>Medical, Dental and Vision</li>
<li>Life Insurance</li>
<li>401(k) with Matching</li>
<li>Flexible Spending Accounts</li>
<li>Tuition Assistance</li>
<li>Stock Purchase</li>
<li>Discounts on Products and Services</li>
</ul>
EOE/Protected Veterans/Disabled/Drug Free

The above declarations are not intended to be an &ldquo;all-inclusive&rdquo; list of the duties and responsibilities of the job described nor are they intended to be such a listing of the skills and abilities required to do the job. Rather, they are intended only to describe the general nature of the job.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE AN EMPLOYMENT AGREEMENT. This job description does not restrict Capital City Bank, Capital City Investments, Capital City Trust Company, Capital City Strategic Wealth, and Capital City Home Loans from the ability to assign, reassign or eliminate duties and responsibilities of this job at any time. This job description describes the current assignment of essential functions. These functions may change at any time as the needs of the Bank or department change or for other reasons deemed appropriate.<h4 class="jobSectionHeader">
Experience</h4>
Required<ul><li>
Please indicate work experience when applying.</li></ul><h4 class="jobSectionHeader">
Education</h4>
Required<ul><li>
Associates or better in Finance or related field</li></ul>
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities 
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.</div>

Credit Analyst/Asset Based Lending

Magna Foodservice Limited

About Magna Foodservice Magna Foodservice is a leading UK-based supplier supporting independent restaurants and fast-food businesses with premium-quality food solutions. Established in 1997, the company has built a strong reputation through innovation, reliability, and operational excellence, offering a wide range of own-brand products backed by advanced, temperature-controlled facilities.Role Overview We are looking for an experienced credit control professional to take on a senior oversight role supporting our accounts function. This is not a frontline collections role &mdash; you will not chase customer payments, hold a personal ledger, or approve write-offs, payment plans, or legal escalations (these remain with the Credit Control Manager). Instead, you will oversee the health and integrity of the credit control function: ensuring data, records, policy compliance, and risk decisions are accurate and well-managed, and providing senior management with clear, independent visibility into how the function is performing.You will work closely with senior management and alongside the Credit Control department, operating independently in your area of oversight.Key ResponsibilitiesPolicy &amp; Process Oversight<ul><li>Audit team adherence to the company's Credit Policy and flag deviations or process gaps</li><li>Review and provide input on customer risk categorization and credit limit decisions</li><li>Provide input on customer onboarding and offboarding decisions from a credit risk perspective</li><li>Sit in on or review customer escalations and disputes being handled by the team, offering guidance where needed</li></ul>Data &amp; Records Management<ul><li>Audit and reconcile customer records in our ERP system, identifying and resolving cases.</li><li>Build and maintain a clean, accurate master record of customers across active and inactive accounts.</li><li>Review inactive accounts and flag for merge, closure, or reactivation as appropriate</li><li>Maintain organized, audit-ready credit and customer records on an ongoing basis</li></ul>Reporting &amp; Visualization<ul><li>Design and maintain dashboards/reports covering aged debt, collection performance, and customer account health</li><li>Provide senior management with clear, independent visibility into credit control performance and trends</li><li>Translate raw ledger/ERP data into actionable insights for decision-making</li></ul>Qualifications &amp; Skills<ul><li>Bachelor's degree in Finance, Accounting (Must)</li><li>Senior-level experience in credit control, with a solid background in accounts/finance</li><li>Strong understanding of credit policy, risk assessment, and collections processes</li><li>Strong data analysis skills; comfortable working with large, complex datasets</li><li>Proficiency in Excel (advanced) and ERP systems (NetSuite preferred) &mdash; experience building reports/dashboards preferred</li><li>Excellent analytical thinking, attention to detail, and sound judgment</li><li>Ability to work independently with minimal supervision</li><li>Strong communication skills &mdash; able to present data and recommendations clearly to senior management</li></ul>Job DetailsLocation: I-8 Markaz, IslamabadWork Type: Onsite (In-Person)Employment Type: Full-TimePay: Rs100,000.00 per monthWork Location: In person

Senior Credit Analyst – MI & Reporting

YouLend

<div><h3 class="jobSectionHeader">Description</h3><div> 
To meet the growing demand for our technology and services, we are currently growing our Credit Decisions Team. We are looking for a Junior Credit Decisions Associate with a strong bias to action who is excited about leveraging technology and design to deliver meaningful business outcomes for our partners and their merchants. As a Junior Credit Decisions Analyst, you will be using YouLend proprietary solutions to decision and price applications. You will be contributing ideas to improve the ongoing processes, validating the accuracy and completeness of information received for each deal and liaising with the Credit Risk/Data Science teams to influence decisions.</div><h3 class="jobSectionHeader"> 
Key Responsibilities</h3> 
<ul>
<li>
Utilize intermediate Excel skills to analyze, interpret, and visualize key data trends.</li>
<li>Identify and assess data patterns to support accurate credit decision-making.</li>
<li>Apply critical thinking to evaluate merchant applications and assess associated risks.</li>
<li>Underwrite and evaluate deals to determine creditworthiness and risk exposure.</li>
<li>Collaborate closely with cross-functional teams, including Credit Risk, to ensure alignment in credit decisions.</li>
<li> Ensure the accuracy, completeness, and consistency of deal information throughout the decisioning process.</li>
<li> Contribute ideas and feedback to improve operational processes and enhance automation or efficiency.</li></ul> 
<h3 class="jobSectionHeader">
Skills, Knowledge &amp; Expertise</h3> 
<ul>
<li>
Desirable Skills Strong analytical mindset with an ability to derive insights from data.</li>
<li>Detail-oriented and organized, with a focus on accuracy and quality.</li>
<li> Excellent communication and collaboration skills.</li>
<li>Curiosity and enthusiasm for learning credit risk management in a fast-growing fintech environment.</li>
<li>An Ideal Candidate will Have A degree in Finance, Economics, Data Science, or a related field (or equivalent practical experience).</li>
<li>Experience in a credit, financial analysis, or data-related role (internships included).</li>
<li>Proficiency in Excel (pivot tables, lookups, data visualization).</li>
<li>Familiarity with SQL or data tools (e.g., Looker, Tableau, Power BI) is a plus.</li>
<li> A proactive and adaptable attitude, thriving in a fast-paced, tech-driven environment.</li>
<li> A passion for using data and technology to drive better business decisions.</li></ul> 
<h3 class="jobSectionHeader">
Job Benefits</h3><div> 

Why join YouLend? 
</div><ul><li>Award-Winning Workplace: YouLend has been recognized as one of the &ldquo;Best Places to Work in 2024 and 2025&rdquo; by the Sunday Times for being a supportive, diverse, and rewarding workplace.</li>
Award-Winning Fintech: YouLend has been recognized as a &ldquo;Top 250 Fintech Worldwide&rdquo; company by CNBC. 
<li>
</li></ul><div>It&rsquo;s just getting fun:</div><ul>
<li>We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace.</li>
But the global opportunity is still massive, and YouLend is a raw organization where we are only just getting started. 
<li>
</li></ul><div>Lots of upsides:</div><ul>
<li>High-growth (&gt;100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with the business).</li>
<li>Well-capitalized with supportive private equity backing.</li>
Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets. 
<li>
</li></ul><div>Motivating work environment: 
</div><ul><li>A high-quality team that pushes each other to succeed through direct feedback and aligned incentives.</li>
<li>Strong and transparent team culture, we have each other&rsquo;s backs.</li>
<li>Independent work environment where results matter.</li>
Data-driven culture and emphasis on speed (anti-red tape). 
<li>
</li>
</ul><div> 
We offer comprehensive benefits package that includes: 
Health Care Coverage. YouLend covers 80%; employee contribution is 20% of the premium.</div><ul>
<li>Medical Plan (medical insurance and prescription drug coverage)- Choice of 5 different plans through United Healthcare.</li>
<li>Dental plan coverage</li>
<li>Vision plan coverage</li>
<li>Benefits can be for: Employee only; Employee &amp; Spouse; Employee &amp; Child; Employee &amp; Family</li>
<li>Retirement - 401K match. Employee match $1 for $1 up to 5% of salary.</li>
<li>Basic Life &amp; AD&amp;D Insurance.</li>
<li>International travel insurance covered if traveling abroad for work purposes.</li>
<li>Paid Time Off (PTO)- 20 working days (4 weeks) + US public holidays</li>
<li>Paid Office Parking</li></ul> 
<h3 class="jobSectionHeader">
About YouLend</h3><div>
YouLend is a rapidly growing FinTech that is the preferred embedded financing platform for many of the world&rsquo;s leading e-commerce platforms, tech companies, and Payment Service Providers. Our software platform enables our partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital at risk. We are owned by the leading Private Equity company, EQT, and have grown +100% yearon-year since 2020. We are headquartered in London, UK, but are also present in several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe</div></div>

Junior Credit Decision Analyst

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