Commercial Credit Analyst

Summary

Join PayJunction as a Merchant Services-focused Commercial Credit Analyst! You will review enterprise and larger exposure merchant accounts, ensuring periodic financial statement reviews. You'll also support underwriting for new and existing non-enterprise merchants, identifying and mitigating potential risks. This role requires a Bachelor's degree, at least 4 years of experience in commercial credit analysis, and advanced Excel skills. PayJunction offers a flexible work environment (remote, in-office, or hybrid), comprehensive benefits including health, dental, vision, 401k, and paid time off, and a positive work culture.

Requirements

• Bachelor’s degree required – field of study in accounting, economics or finance preferred
• Minimum 4 years of experience in commercial credit analysis and underwriting in a banking, fintech or merchant services organization
• Experience in independently analyzing and approving companies requesting loans, lines, exposure greater than $500,000
• Advanced excel skills
• Comfortable generating advanced query functions and pivot tables
• Experience performing detailed financial analysis on companies including: Ratio and trending analysis
• Liquidity, Leverage and similar assessments
• Able to identify concerns/red flags in business activity for repayment and/or processing history
• Experience with using Salesforce or comparable CRM tool
• Experience with LexisNexis, Experian, or comparable credit monitoring and compliance tools
• Ability to absorb and disseminate information in a timely manner
• Organized and efficient and able to focus on key priorities
• Ability to listen actively and communicate effectively

Responsibilities

• Produce written summaries of risk assessment along with subsequent recommendations for credit approval
• Provide exceptional customer service, both via phone and email, and conduct timely follow-ups in support of efficient credit management processes
• Conduct risk assessments to determine financial creditworthiness to support account exposure
• Perform detailed financial statement analysis on companies, including trend and ratio analysis utilizing financial documents such as the balance sheet and income statement
• Assisting in updating credit policy and procedures as well as identifying /introducing innovative methods to streamlining risk assessments
• Maintain timely and accurate reports regarding portfolio status including assurance of completion of annual reviews
• Conduct company, industry and market analyses to further assess portfolio credit risk

Benefits

• Health, dental, and vision paid 100% by company for you and your dependents
• 401k with 6% match
• FSA and Dependent Care FSA
• Long-term & short-term disability coverage for you paid 100% by company
• 8 paid company holidays per year
• 2 paid floating holidays per year
• 1 paid volunteer day per year
• Paid Time Off
• Home office equipment stipend
• Quarterly “fun budgets” for team bonding events
• Opportunity to be part of a company that is changing a whole industry
• Opportunity for growth within the company
• Opportunity for remote, in-office, or hybrid work