Senior Credit Analyst

Summary

Join Manufactured, a Series A startup experiencing 850% year-over-year growth, as a Senior Credit Analyst. This remote US-based role (with 20% travel) offers a competitive salary ($100,000-$180,000 base pay + equity + benefits). You will be responsible for end-to-end underwriting of SMB credit deals, managing a loan portfolio, and working directly with clients. The ideal candidate possesses extensive experience in asset-based lending, financial analysis, and supply chain finance, along with strong communication and problem-solving skills. We prioritize what you've done, what you can do, and how you'll do it, valuing ownership, initiative, and a collaborative mindset. This is a high-impact role within a fast-paced, dynamic environment.

Requirements

• 3+ years experience at Credit / Asset based Lending to USA / Canada based businesses
• Demonstrated experience working in a cross functional team
• Past experience of operating systems, frameworks and implementing credit policy
• Must demonstrate ability to work cross functionally within a specific industry of Inventory / Supply Chain financing
• Demonstrated ability to rapidly learn a new skill / business / industry and execute complex projects with a sharp attention to detail
• Proficient with Excel, Google Sheets, Adobe Suite, Google Drive, Gmail and Slack
• Strong understanding of automation, AI tools and able to leverage software and AI to drive tasks
• Detail oriented and highly organized
• Past experience in Asset based lending, preferably in a startup environment
• Past experience with Inventory, Supply Chain, e-Commerce, wholesale, factoring, and retail
• Expert knowledge of Financial Analysis, FP&A breakdown, and Data Organization
• Proven Ability to understand and break down potential Borrowing Capacity at a Financial level using available financial data
• Ability to apply Financial Analysis and Calculations to Digital Data tables
• Self-motivated, high integrity, strong collaborator
• Lifelong learner, Excited by Steep learning curves, new industries, new approaches
• Product driven mindset
• Strong problem-solving, mathematical and analytical skills
• Broad range and curiosity of various markets including manufacturing, sourcing and supply chain
• Excellent Research skills
• Excellent written and verbal communication skills - must be able to handle Customer diligence calls
• Ability to maintain confidentiality
• Proficiency with computers and computer software, particularly Excel/Google Sheets
• Ability to work in early stage startup environment
• Strong Understanding of Credit Risk/ SMB business models and common obstacles
• Ability to work cross functionally with CEO, COO, Finance, Operations, Product and Engineering internally and with external embedded software vendors and clients
• Enter, update and retrieve information for financial records
• Determine the creditworthiness of business applicants & end obligors
• Designate the degree of risk involved in extending credit by performing a cash flow analysis of each business
• Ensure that all approved applications comply with MFD lending criteria
• Ongoing, self-directed monitoring of industry trends and developments
• Relationship driven
• Collaborative mindset and team spirit
• Understand customer needs
• Result oriented, over-communicative

Responsibilities

• Own end-to-end underwriting for SMB credit deals — from gathering docs and analyzing financials to running KYB/KYC checks (UCC, LexisNexis, Allianz) and assessing overall risk
• Write clear, actionable credit memos with funding recommendations and present them to our internal credit committee and capital partners
• Manage a growing portfolio of SMB loans, track performance, spot red flags early, and keep things on track post-close
• Work directly with clients — sending LOIs, explaining terms, and helping them understand the value we bring
• Package and share diligence materials with funding partners, walking them through the deal thesis, red/green flags, and overall fit
• Partner closely with engineering to improve internal tools, automate manual workflows, and tighten up the credit process
• Support capital raise and investor diligence efforts — fast turnarounds, clear data, and no bottlenecks
• Maintain and regularly update internal models — requires expert-level Excel/Google Sheets and comfort working with complex, dynamic sheets
• Build new models as we launch new products and revenue streams; support 13-week cash flow forecasting and scenario planning
• Be a subject matter expert on every approved company — know their financial standing, deal terms, collateral position, and any emerging risks or delays

Preferred Qualifications

• Startup Culture / Experience working in small, agile, fast moving teams
• Prior Fintech experience
• Past experience working in a fully remote team across time zones

Benefits

$100,000 - $180,000 Base Pay + Startup Equity + World Class Benefits