Credit Analyst III – Fintech & Baas Focus
| Company | Lead Bank |
|---|---|
| Location | San Francisco, CA, USA, Kansas City, MO, USA, New York, NY, USA, Sunnyvale, CA, USA |
| Salary | $90850 – $167143 |
| Type | Full-Time |
| Degrees | Bachelor’s |
| Experience Level | Senior, Expert or higher |
Requirements
- 6+ years of experience in credit analysis, underwriting, or related areas
- Bachelor’s degree in finance, accounting, or economics (or equivalent experience)
- Strong judgment, instincts, attention to detail, and analytical skills
- Strong organizational skills with experience in managing multiple time-sensitive projects simultaneously
- Strong verbal and written communication skills
- Analytical mindset; able to complete standard and ad-hoc requests; backup support for colleagues
- Have experience evaluating credit risk in non-traditional or tech-enabled business models
- Understand the nuances of fintech and BaaS risk profiles
Responsibilities
- Independently prepares credit submissions and portfolio reviews for larger and more complex loans and BaaS partnerships, with minimal revisions required
- Leads team projects, such as risk mitigation strategies, portfolio stress testing, board reporting, and portfolio improvement initiatives
- Mentor and develop department staff
- Identifies areas for improvement within the team and suggests training recommendations
- Assist in the management of audits and regulatory exams
- Fulfill any external, internal, and regulatory audit requests
- Serve as department champion for system application programs used, such as Microsoft Office, Sageworks, Business Analytics, Google Workspace, Asana, and/or other system applications
- Work with the Credit Team as needed for administrative assistance and projects
- Ensure completion and accuracy of department-assigned responsibilities
- Demonstrate a mindset that appropriately balances operational excellence and continuous improvement
- Assist in oversight of department operations, including ownership of assigned processes, and suggesting improvements
- Perform all other duties as assigned
Preferred Qualifications
- Prior experience working with fintech, embedded finance, or BaaS is strongly preferred
- Experience working in a deadline-oriented, fast-paced environment is strongly preferred
- Experience in people management preferred, but not required