Senior Credit Analyst
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Job Description
Senior Credit Analyst underwriting Mercury’s commercial charge card portfolio. Monitoring customer risk, making credit decisions, and improving underwriting policy for a fintech finance stack.
Responsibilities:
- Underwrite new commercial charge card applications and document clear, defensible rationales
- Operate portfolio monitoring and re-underwriting for existing card customers
- Identify risk changes early and recommend action
- Develop and iterate underwriting and monitoring procedures
- Support Customer Success, Sales, and Risk/Compliance on card account requests
- Recommend suitable credit product fits
- Coordinate escalation workflows for complex or exception cases
- Provide analytical support and influence credit policy and procedure improvements
Requirements:
- Experience at a fintech or bank working with highly regulated financial products
- Strong credit analysis skills, including financial statement analysis
- Comfortable working with cash and revenue based underwriting methods
- Sound judgment under uncertainty and ability to make defensible decisions without undue risk
- Analytical curiosity and ability to identify patterns across applications and accounts
- Experience with SQL and/or Python is nice to have, not required
Benefits:
- Equity (stock options/RSUs)
- Benefits package
- Reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs
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