Credit Analyst III

Summary

Join Lead Bank, a fintech building banking infrastructure, as a Credit Analyst III. You will be responsible for preparing credit submissions and reviews for complex loans and BaaS portfolios, leading team projects, mentoring junior analysts, and identifying areas for improvement. This role requires strong analytical and communication skills, experience in credit analysis, and a preference for experience in fintech or BaaS. The ideal candidate will thrive in a fast-paced environment and demonstrate a commitment to continuous improvement. Lead Bank offers competitive compensation, comprehensive benefits, and a supportive work environment.

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
• Thrive working in a fluid environment with high autonomy
• Love to collaborate to get to the best, most efficient outcome
• Bring a self-driven and self-starter mentality to your work
• 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

Benefits

• Competitive compensation based on experience, geographic location, and role
• Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA
• Paid parental leave
• Flexible vacation policy, including PTO and paid holidays
• A fun and challenging team environment in a dynamic industry with ample opportunities for career growth