Job Description

• Conduct in-depth credit reviews of our highest-risk sellers, including preparing credit memorandums for approval by senior management
• Lead due diligence calls with prospective and existing sellers to ensure that key risks are fully understood and mitigated
• Work closely with partners in Sales, Account Management, and Finance & Strategy
• Present to Credit Committees and partners; effectively represent Credit Risk team and perspectives
• Support principled risk-taking in emerging products and markets by building frameworks for credit analysis 
• Contribute to the development of credit policies and add structure
• Proactively identify ways to improve our underwriting and operations; and collaborate to build strategic programs 
• Share insights and expertise with the team; promote accountability for team-level and individual results

Qualifications

• 5 years of experience in commercial banking, credit, or payment industries
• Advanced commercial credit underwriting skills, including complex financial statement analysis
• Familiarity with diverse risk management tools and techniques
• Strong professional communication skills internally and externally; able to work with clients to understand their business and gather information
• Data skills and ability to translate findings into interpretable business case
• Intermediate Excel (can perform complex functions) /Sheets required; SQL a plus