senior credit analyst

Novel Capital

<div>Company
Novel Capital (www.novelcapital.com) is a fintech startup changing the way SaaS and tech entrepreneurs access funding. We provide flexible, non-dilutive capital and easy-to-understand financial insights that help software and tech companies grow. Backed by top investors like Ulu Ventures and Ignia Partners, our Capital Intelligence Platform gives founders the tools and funding they need to scale their businesses with confidence.
We're looking for a senior credit analyst to join our credit team. You will be responsible for underwriting the creditworthiness of our potential B2B borrowers, using a mix of financial analysis and data analytics.
If you are a professional excited by the opportunity to be a part of a fast-growing, innovative fintech startup and looking for a chance to work in the early-stage tech investing space, this is your opportunity!
What You&rsquo;ll Do<ul>
<li>
Assess the credit risk of companies by analyzing their qualitative and quantitative financial information, developing credit approval memos, and presenting insights and recommendations for Loan Committee.</li>
<li>Complete financial models to determine investment amounts and terms for companies approved for funding.</li>
<li>Meet with CEOs of the companies that are seeking funding, and manage the full lifecycle of a deal including the funding evaluation process and due diligence.</li>
<li>Identify alternative ways to assess risk that accelerates and improves our underwriting decisions.</li>
<li>Identify opportunities to automate manual underwriting processes, and test out new hypotheses to streamline processes.</li>
<li>Assist in optimizing and developing innovative financial products based on customer insights that are driven by data.</li>
</ul>
Requirements<ul>
<li>
Bachelor&rsquo;s degree in a relevant subject (i.e., Finance, Accounting, Engineering, Mathematics/Physics, Computer Science, Business) or MBA.</li>
<li>Minimum 4 years of experience in commercial underwriting with a Commercial Bank credit/underwriting team, Fintech risk/credit team, or investment/credit risk team of an asset manager/credit fund/hedge fund.</li>
<li>Strong analytical and quantitative skills. Adept at assessing company financial risks, including downside and sensitivity analysis.</li>
<li>You know financial statements inside out.</li>
<li>Mastery of Excel.</li>
<li>Bonus if you have experience analyzing and/or underwriting software companies (i.e., software financial metrics, business model).</li>
<li>Passionate about early-stage investing, startups, and our mission to serve early-stage technology entrepreneurs is a plus.</li>
<li>Ability to thrive in a fast-paced startup environment.</li>
<li>This position requires candidates to have a current and valid U.S. work permit. Please confirm your eligibility to work in the United States before applying.</li>
</ul>
Novel Capital is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.
Benefits<ul>
<li>
Competitive salary.
</li><li>Healthcare benefits.
</li><li>401k.
</li><li>Unlimited PTO.
</li><li>Career growth with an industry innovator.</li></ul></div>

Senior Credit Analyst - Fintech

FlapKap

<div><ul><li>Conduct thorough analysis of financial statements, credit reports, and other relevant data to assess the creditworthiness of individuals and businesses.</li></ul><ul>
<li>Evaluate the financial health of borrowers by analyzing their income, debt levels, and liquidity.</li>
<li>Assess the risk associated with extending credit and make recommendations for credit approvals or rejections.</li>
</ul><ul><li>Prepare detailed credit reports and summaries for internal and external stakeholders.</li>
<li>Monitor and manage the credit exposure of existing borrowers by reviewing financial statements and conducting periodic risk assessments.</li>
<li>Stay updated on industry trends, economic indicators, and regulatory changes that may impact credit risk.</li>
<li>Collaborate with other departments, such as sales and underwriting, to gather and analyze necessary information for credit evaluations.</li>
<li>Provide guidance and support to junior credit analysts in their analysis and decision-making processes.</li>
<li>Develop and maintain relationships with clients, ensuring clear communication and understanding of credit terms and conditions.</li>
<li>Assist in the development and implementation of credit policies, procedures, and risk assessment models to improve overall credit management.</li>
</ul>
Requirements<ul>
<li>
Strong analytical and problem-solving skills, with the ability to analyze complex financial data and draw accurate conclusions.</li>
<li>In-depth knowledge of financial analysis techniques, credit risk assessment, and industry best practices.</li>
<li>Proficient in using financial analysis software and tools.</li>
<li>Excellent written and verbal communication skills, with the ability to present complex financial information in a clear and concise manner.</li>
<li>Attention to detail and high level of accuracy in analyzing and interpreting financial data.</li>
<li>Ability to work independently and manage multiple priorities in a fast-paced, deadline-driven environment.</li>
<li>Strong interpersonal skills, with the ability to build and maintain effective relationships with clients and internal stakeholders.</li>
<li>Sound judgment and decision-making abilities, with the ability to assess risks and make recommendations accordingly.</li>
<li>Proficient in Microsoft Office Suite, particularly Excel, for financial analysis and reporting purposes.</li>
<li>Strong ethical standards and adherence to confidentiality requirements.</li>
</ul>
Benefits<ul><li>Competitive Salaries
</li><li>Hybrid working environment
</li><li>Healthcare coverage
</li><li>A highly collaborative team environment that will support your professional and personal growth
</li><li>A culture that promotes Work-Life balance and Wellbeing
</li><li>A culture of learning and innovation</li></ul></div>

Senior Credit Analyst - UAE

CoBank

<div>Benefits Overview:
<div>
A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. In order to be the best, we hire the best!</div><div></div><div> 
Remarkable Benefits Offered by CoBank</div><ul><li>
Careers with a purpose</li><li>
Time-Off Packages, 15 days of vacation, 10 paid sick days and 11 paid holidays</li><li>
Competitive Compensation &amp; Incentive</li><li>
Hybrid work model: flexible arrangements for most positions</li><li>
Benefits Packages, including Medical, Dental and Vision coverage, Disability, AD&amp;D, and Life Insurance</li><li>
Robust associate training and development with CoBank University</li><li>
Tuition reimbursement for higher education up to $10k per year</li><li>
Outstanding 401k: up to 6% matching and additional 3% non-elective contribution &amp; Student Loan Match</li><li>
Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution</li><li>
Associate Resource Groups: creating a culture of respect and inclusion</li><li>
Recognize a fellow associate through our GEM awards</li></ul> 
<div></div>
Job Description:
<div>
Prepares analysis and conducts credit investigations of routine and more complex credits in accordance with prescribed methods and procedures. Prepares and presents credit reports to appropriate senior staff or committees. Cosponsors or approves credits within prescribed credit limits. Assists with account servicing, credit administration, and documentation. Provides support to credit manager and appropriate staff with research and statistical analysis.</div>
Essential Functions:
<ul><li>Develops credit information and structures financial proposals for use by appropriate senior staff and committees in making decisions about credit arrangements for new, renewal, or extension loans. Cosponsors or approves credit requests within prescribed limits.</li><li>
Reviews all pertinent credit and financial information and determines the need for more thorough investigation or additional information. Analyzes information statements and related material and prepares summaries, presents facts, and offers opinions concerning credit&#8209;worthiness. Understands and follows bank guidelines, policies, and procedures for the preparation and presentation of credit information.</li><li>
Assists with credit administration, account servicing, development, packaging, closing, documentation, and monitoring.</li><li>
Maintains control over current accounts, monitoring for payment progress, developing problems, trends, and compliance with covenants. Provides relevant and timely information to internal stakeholders including account officers, relationship managers, and credit staff.</li><li>
Assists credit manager in the preparation of internal research and analysis, provides statistical reports, and verifies information. Prepares and delivers presentations on topics as assigned.</li><li>
Develops and utilizes computerized spreadsheets, programs, and other automated tools for credit analysis, special projects, or presentations.</li><li>
May authorize loan advances and loan re-pricing with money desk staff.</li><li>
Maintains expertise in assigned industries or market sectors. Keeps abreast of industry trends and competitive environment.</li></ul>
Education:
<ul><li>Bachelor's Degree required</li></ul>
Work Experience:
<ul><li>3 years of credit experience in banking industry required</li></ul>
Physical Exertion Details:
<div>
Sedentary Exerting up to 10 pounds of force occasionally (Occasionally: activity or condition exists up to 1/3 of the time) and/or a negligible amount of force frequently (Frequently: activity or condition exists from 1/3 to 2/3 of the time) to lift, carry, push, pull, or otherwise move objects, including the human body. Sedentary work involves sitting most of the time, but may involve walking or standing for brief periods of time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.</div>
Travel Requirement Details:
<div>
Occasional Travel occurs infrequently (typically, once a month or less).</div>
About CoBank:
<div>
The typical base pay range for this role is between $80,300 - $91,840. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. This position is eligible for a discretionary annual incentive program driven by organization and individual performance.</div><div>
The listed salary, other compensation and benefits information is accurate as of the date of this posting. This job will be posted for a minimum of five (5) business days or until the position is filled. CoBank reserves the right to adjust compensation for all positions and to modify or discontinue benefits programs at any time in its sole discretion, subject to applicable law.</div><div></div><div> 
CoBank is a cooperative bank serving vital industries across rural America. The bank provides loans, leases, export financing and other financial services to agribusinesses and rural power, water and communications providers in all 50 states. The bank also provides wholesale loans and other financial services to affiliated Farm Credit associations serving more than 76,000 farmers, ranchers and other rural borrowers in 23 states around the country. CoBank is a member of the Farm Credit System, a nationwide network of banks and retail lending associations chartered to support the borrowing needs of U.S. agriculture, rural infrastructure and rural communities. Headquartered outside Denver, Colorado, CoBank serves customers from regional banking centers across the U.S. and also maintains an international representative office in Singapore.</div><div></div><div> 
REASONABLE ACCOMMODATION</div><div>
We are committed to ensuring that our online application process provides an equal employment opportunity to all applicants, including qualified individuals with disabilities. If you are an applicant with a disability, or are assisting an applicant with a disability, and require accessibility assistance or would like to request a reasonable accommodation for any aspect of the application process, including completing an application, interviewing, or otherwise participating in the employee selection process, please submit a request by emailing recruiting@cobank.com. Include your contact information and specific details about your requested accommodation.</div><div></div><div> 
Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time.</div><div></div><div> 
CoBank is an Equal Opportunity Employer.</div><div></div><div> 
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, or status as a protected veteran.</div></div>

Senior Credit Analyst, Digital Infrastructure

<div>What is FlapKap ?
We are the financial growth partner for the small and medium-sized businesses in the Middle East and Africa. We support our merchants to overcome their cash constraints by financing their working capital and ensuring their growth without losing equity.
For more info, check our feature on Forbes.
Why FlapKap?
FlapKap is a fast, smart, collaborative and first of a kind startup that aims to disrupt the financial industry in the MENA region. We are backed by QED, BECO Capital, A15, Outliers, and Nclude with a total financing of over $40m USD. FlapKap offers a safe environment with a welcoming atmosphere to creativity and innovation. Everyday there are new challenges and significant achievements that make everyone charged, excited and proud to belong.
Description:
FlapKap, a leading financial growth partner for digitally-native businesses in the Middle East and Africa, is seeking a motivated and dynamic Financial Analyst to join our passionate team. As a Financial Analyst, your role will be to push the boundaries and capabilities of our credit-scoring engine and modules. You will be responsible for conducting financial analyses, improving existing processes, and innovating in finding other alternative scoring techniques and methods. The Financial Analyst will work with different teams (i.e., technology and commercial) to build an engine that continuously monitors and decreases FlapKap&rsquo;s cost of risk.
Job Description<ul>
<li>
Analyze and verify financial statements, Bank statements and other relevant information to assess the creditworthiness of a merchant</li>
<li>Credit-scoring potential merchants through building, improving and analyzing financial models</li>
<li>Forecasting client&rsquo;s financials and recommending appropriate financing options based on credit risk and financial needs.</li>
<li>Collaborating with Tech team to help automate various processes</li>
<li>Iterating and improving on existing processes</li>
<li>Working on and improving existing templates
</li></ul>Requirements<ul>
<li>
Bachelor&rsquo;s degree in Finance, Accounting, Economics, or a related field (MBA or CPA/CFA a plus).
</li><li>2&ndash;4 years of experience in financial analysis, operations, or accounting.
</li><li>Strong proficiency in Excel (pivot tables, VLOOKUPs, financial modeling) and familiarity with ERP/financial systems (e.g., SAP, Oracle, NetSuite).
</li><li>Excellent analytical, problem-solving, and organizational skills.
</li><li>Strong attention to detail and ability to work under tight deadlines.
</li><li>Effective communication and collaboration skills across teams.</li>
<li>Fluent English</li>
</ul>
Benefits<ul><li>Competitive Salaries
</li><li>Hybrid working environment
</li><li>Paid time off
</li><li>Healthcare coverage
</li><li>A highly collaborative team environment that will support your professional and personal growth
</li><li>A culture that promotes Work-Life balance and Wellbeing
</li><li>A culture of learning and innovation</li></ul></div>

Senior Credit & Risk Analyst

Carter Bank

SUMMARY: 
The Credit Systems Analyst acts in the capacity of administrator on various platforms, such as Sageworks/Abrigo, and works with multiple departments to review the structure, content, and quality of system-generated reports and conducts advanced reporting. This position streamlines current processes and reports, and works on various special projects to improve the department’s efficiency as it pertains to information systems. The Credit Systems Analyst aids in the structure and reporting of but not limited to Production, Policy Exceptions, Financial Exceptions, Covenants, Criticized Assets, Annual/Semi-Annual Reviews, Appraisals, Allowance for Loan and Lease Losses (ALLL), Current Expected Credit Loss (CECL), Individual Worksheets (IWs), Restructured Loans (RLs), Credit Quality Indicators, and Changes in Criticized and Non-Accrual Loans.
 
ESSENTIAL JOB FUNCTIONS: 
<ul>
<li>Oversees the integrity of data tracked on Sageworks/Abrigo and DNA systems</li>
<li>Works with multiple departments to review the structure, content and quality of system-generated reports and maintains the correct data and conducts advanced reporting</li>
<li>Streamlines current processes and reports, and works on various special projects to improve the department’s efficiency as it pertains to information systems</li>
<li>Aids in the structure and reporting of but not limited to the Production, Policy Exceptions, Financial Exceptions, Covenants, Criticized Assets, Watch List, Annual/Semi-Annual Reviews, Appraisals, ALLL, CECL, IWs, RLs, Credit Quality Indicators, Changes in Criticized and Non-Accrual Loans and other duties as needed</li>
<li>Acts in the capacity of administrator on various platforms such as Sageworks/Abrigo</li>
<li>Run daily, monthly, quarterly, and semi-annual reports</li>
<li>Analyzes, deletes, and appends records for consistent information</li>
<li>Reviews and analyzes database error logs after daily and/or periodic imports</li>
<li>Analyzes and runs tests for better generation for financial statement information and reports</li>
<li>Creates and runs verification reports to append records for ticklers, duplicate clients, and various other pieces of information for core systems and support systems</li>
<li>May be tasked to lead routine Credit Systems area projects and update management on status</li>
</ul>
JOB REQUIREMENTS: 
<ul>
<li>Bachelor’s degree in Business, Accounting, Finance, Economics or related field</li>
<li>Additional specialized training or education in computer science, management information systems, and advanced report writing preferred</li>
</ul>
KNOWLEDGE/SKILLS REQUIRED: 
<ul>
<li>Intermediate proficiency with computers</li>
<li>Basic credit analysis skills</li>
<li>Intermediate analytical skills</li>
<li>Intermediate mathematical skills</li>
<li>Basic knowledge of credit administrative procedures, commercial lending practices, loan structures, regulations, risk assessment, products, data structures and reporting</li>
<li>Basic verbal and written communication skills</li>
<li>Basic project management skills</li>
<li>Intermediate problem-solving skills</li>
<li>Intermediate analytical planning skills</li>
<li>Basic interpersonal skills</li>
</ul>
PHYSICAL AND MENTAL QUALIFICATIONS: 
<ul>
<li>Standing, walking, bending and stooping required</li>
<li>Must be able to sit at a desk for long periods of time and use a computer</li>
<li>Must be able to occasionally move or lift up to 10 pounds</li>
<li>May be asked to work supplemental hours periodically</li>
<li>Limited travel required occasionally during and after business hours</li>
</ul>
The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified.
 NOT A CONTRACT

Credit Systems - Credit Systems Analyst

Tony Alan Recruitment

Senior Credit UnderwriterPermanentBased in NW6, London (office based)Up to £65,000 - £80,000 per annum plus other benefits and bonus Tony Alan Recruitment currently has an exciting job opportunity for a Senior Credit Underwriter to join an established business who are consistently growing based in the North West London area on a permanent basis.This role will be an integral part of the credit underwriting team where you will be joining a growing team with an entrepreneurial, commercial mindset and make-work attitude. You will predominantly cover the unsecured and secured business loan offerings with exposure to the asset finance and property development products.Your duties will include:<ul><li>Assess and analyse credit loan applications for serviceability and affordability in line with the credit underwriting policy</li><li>Conduct second reviews of credit recommendations as part of the four-eye underwriting process</li><li>Accurately report findings from investigations into non-performing loans, providing feedback to the team and senior management</li><li>Play an active role in monthly credit committee meetings, articulating credit views to the wider business and executive committee</li><li>Contribute to process improvements, ensuring continuous evolution through the adoption of advanced technological solutions</li><li>Support day-to-day operations to maintain service level agreements (SLAs)</li></ul>Key requirements:<ul><li>4 years SME lending experience with previous signing mandate required</li><li>Self-motivated, able to work under pressure and driven to succeed</li><li>Strong communication skills both written and oral</li><li>Ability to analyse and dissect information and present results in a logical and understandable format for all stakeholders across the business</li></ul>If you feel that you would be suitable for this position then please apply with your CV.REFER A FRIEND SCHEME: If you refer a candidate to us and they are placed you will be eligible for a cash reward!Due to the high number of CV's we receive we are unable to respond to all applications therefore if you have not heard from us within 10 days please assume you are unsuccessful in this instance.

Senior Credit Underwriter (office based role)

Santander Holdings USA Inc

Pricing & Credit Model Analyst (Hybrid Position)Country: United States of AmericaYour Journey Starts Here:Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!Job DescriptionThe Difference You Make: The Sr. Specialist, Pricing & Credit Model Analyst is responsible for developing pricing and risk-based models to optimize Auto loan pricing strategies . This role also involves development and maintenance of sophisticated empirical models - including credit scoring models. The position is highly quantitative in nature and requires an individual capable of taking a "hands-on" approach to data analysis. You will work closely with credit risk, finance, data science, and product teams to deliver actionable insights that balance risk, profitability, and competitiveness. This position blends strategic business problem solving with quantitative modeling expertise. You will work closely with leadership to translate complex data insights into clear business actions. <ul><li>Develops a thorough understanding of the firm's operations and business practices.</li><li>Applies statistical techniques to analyze trends and uncover risks and opportunities relative to portfolio management and originations.</li><li>Utilizes data mining and statistical techniques to develop analytic insights, sound hypotheses, and informed recommendations.</li><li> Develop pricing frameworks that balance yield, risk, and volume objectives . Incorporate credit risk, customer behavior, collateral trend and market data into pricing algorithms.</li><li> Develop actionable recommendations to improve underwriting strategy, portfolio performance, and credit policies. </li><li>Explore opportunity to enhance Dealer Management program to grow our business with top-performing partners.</li><li>Participates in the construction of complex mathematical models - including credit origination and customer behavior scorecards - which directly support critical decision-making processes.</li><li> Contribute to continuous process improvements in data quality, reporting, and automation. </li><li>Liaisons with IT and other internal teams to define requirements and ensure the timely and accurate delivery of data elements for analytic projects, changes to Pricing & Policy.</li><li>Encapsulates analytic findings into executive-level summary documents to support senior management decision-making.</li></ul> What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or equivalent work experience: Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience - Required. Master's Degree Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience. - Preferred. Ph.D. Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience - Preferred. 3+ Years Analytics in Financial Services Industry or equivalent. - Required. 3+ Years Indirect subprime Auto Financial Services Industry experience. - Preferred. 3+ Years Prior experience developing credit scoring models preferred. - Preferred.<ul><li>Familiarity with logistic regression models, segmentation and variable reduction techniques, hypothesis testing, neural networks, design of experiments, ANOVA, decision trees, and linear regression.</li><li>Prior experience working with credit bureau data preferred.</li><li>Demonstrated ability to use SQL and SAS to extract data from multiple data sources. Working knowledge of Python/R preferred.</li><li>Demonstrated ability to merge, concatenate, and prepare extremely large datasets for statistical analysis and mathematical model development.</li><li>Demonstrated ability to create complex pivot tables in MS Excel.</li><li>Ability to effectively explain advanced mathematical concepts, techniques, and analyses to a business audience.</li><li>Ability to translate analysis into a clear business plan.</li><li>Strong written and verbal communication skills.</li><li>Ability to maintain confidentiality.</li></ul> Certifications: No Certifications listed for this job. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. Location: Dallas, Texas. Hybrid role requiring up to 3 days/week in the office. What Else You Need To Know :The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Base Pay Range Minimum: $67,500.00 USD Maximum: $140,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions : Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required . Employer Rights:This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next :If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at to discuss your needs. Primary Location: Dallas, TX, Dallas Other Locations: Texas-Dallas Organization: Santander Consumer USA Inc.

Pricing & Credit Model Analyst (Hybrid Position)

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