Credit Analyst
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Job Description
Credit Analyst developing consumer credit strategies at PatientFi to optimize underwriting decisions and mitigate credit risk. Collaborate with data teams to enhance credit performance and compliance.
Responsibilities:
- Analyze Consumer Credit Risks: Review and underwrite unsecured consumer loan applications through our provider network to find opportunities to increase approval rates and credit limits while minimizing losses.
- Technical Capabilities: Solid understanding time series analysis, consumer credit behavior, and statistical concepts.
- Portfolio Evaluation: Monitor the performance of our loan portfolio, identifying early delinquency trends and assisting in the preparation of monthly and quarterly credit risk evaluations.
- Organizational Collaboration: Work with the Data Science and other teams within PatientFi to collaborate on new initiatives, deploy new credit changes and find portfolio improvements.
- Policy & Compliance: Ensure all underwriting decisions strictly adhere to PatientFi’s internal credit policies as well as applicable state and federal regulations (i.e. FCRA, ECOA/Reg B, UDAAP, TILA/Reg Z).
Requirements:
- 1–3 years of experience in consumer credit underwriting, risk analysis, or a related financial services role
- Bachelor’s degree in Finance, Economics, Statistics, or a related quantitative field
- Understanding loan mechanics, origination quality and credit performance analytics
- Proficiency in Google and/or Microsoft business suite (Sheets/Excel/PPT)
- Familiarity with key US consumer lending regulations, including the Fair Credit Reporting Act (FCRA) and the Equal Credit Opportunity Act (ECOA)
Benefits:
- Remote Work
- Medical, dental, and vision premiums covered at 80% for employees and dependents
- Unlimited PTO
- 401(k)
- Parental leave
- AD&D policy provided at no cost to employees
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