Commercial Credit Analyst

About finally

finally is one of South Florida's fastest-growing & most exciting fintech companies. finally, recently raised $95 million dollars to help SMBs automate their finances. We are backed by New York, Silicon Valley & San Antonio Venture Capitalists.

We're an energetic, easy-going group working hard to solve a tough problem. Bookkeeping is a universal pain point for entrepreneurs and business owners who work hard daily to make their businesses successful. They want to run their businesses, not do accounting.

Our talented team is building intuitive software & artificial intelligence to solve several multi-trillion dollar fintech problems affecting our entire economy. We’re a team of dedicated & talented minds in South Florida who're on a mission to change the way accounting & finance is done for small businesses.

As a Senior Credit Analyst at finally, you will take the lead on underwriting our small to medium 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 side of the business including Sales, Tech and FinOps.

Responsibilities:

• Credit analysis: Take the lead 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 skill 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 blueprint 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 perform the essential tasks that are a part of finally’s underwriting process

Qualifications/prior experience/personal profile:

• Between 3-5 years of experience in underwriting and analyzing small to medium 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 excel skills and some familiarity with credit analysis and fraud identity tools such as Heron, Plaid, 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 point in its journey!

Benefits

• Health insurance
• Dental insurance
• Employee stock purchase plan
• Paid time off
• Paid training
• Vision insurance

People with a criminal background are not encouraged to apply for this role.

Join our team and be part of a vibrant and dynamic sales environment where your efforts will play a crucial role in driving our company's growth and success. Finally is a fast-growing VC Backed startup that is disrupting the traditional tools small business owners are using.