Mercury is hiring a
Credit Underwriting Analyst

Summary

Join a team of lending experts as a Credit Underwriter and help shape Mercury's new working capital loan product for eCommerce companies. You will work directly with prospective borrowers to assess creditworthiness, structure creative lending solutions, and partner with sales and product teams to innovate the go-to-market process.

Requirements

• Have 2+ years of experience with financial analysis and interpreting financial performance or assessing risk exposure
• Have an understanding and excitement for the opportunity to work directly with founders and executives from early-stage startups and e-commerce companies
• Have an ability and desire to dig into numbers and derive meaningful insights and action
• Have an eye for detail and an analytical mindset
• Bachelor's degree in accounting, finance, or a related field is a plus!

Responsibilities

• Analyze quantitative and qualitative data to summarize the strengths and risks presented in the application
• Lead diligence calls with new customers, when necessary, and help build strong relationships with existing customers
• Structure, price, and propose loan terms that balance the borrower’s capacity to repay and Mercury’s risk posture
• Monitor the ongoing repayment risk of existing loans, restructure delinquencies, collect on past due accounts
• Partner in refinement of credit policy, processes and procedures
• Work cross functionally with Sales, Product, Engineering and Design teams to improve the customer experience

Benefits

• Base salary
• Equity (stock options)