Senior Credit Analyst
Hace 6 horas
República Dominicana
Cashera
Jornada completa
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About Cashera
Cashera is a rapidly growing fintech and alternative lending company specializing in working capital solutions for small and medium-sized businesses. We provide flexible funding products, including merchant cash advances and lines of credit, helping businesses access capital quickly and efficiently.
We are seeking a highly analytical Senior Credit Analyst with experience in account management of Line of Credit (LOC) products and/or underwriting for a direct lender serving small and medium-sized businesses (SMB/SME).
Key Responsibilities
• Analyze and underwrite small business financing applications, including Lines of Credit, working capital loans, and other commercial lending products.
• Review bank statements, financial statements, tax returns, cash flow data, and credit reports to assess creditworthiness.
• Evaluate business performance, repayment capacity, industry trends, and risk exposure.
• Make informed credit decisions within established risk parameters and lending guidelines.
• Manage and monitor existing LOC portfolios, including credit limit reviews, utilization trends, renewals, and risk mitigation strategies.
• Conduct periodic account reviews and recommend line increases, decreases, or modifications when appropriate.
• Identify potential fraud, inconsistencies, and early warning signs of credit deterioration.
• Partner closely with Sales, Operations, Risk, and Collections teams to manage portfolio performance.
• Present complex credit recommendations and rationale to senior management.
• Help refine underwriting policies, risk models, and credit processes as the company scales.
• Maintain strong knowledge of alternative lending, fintech credit products, and industry best practices. Required Qualifications
• 2+ years of experience in:
• Commercial credit analysis,
• SMB lending,
• Alternative finance,
• Fintech underwriting
• Business Line of Credit portfolio management.
• Experience with Account Management for LOC products and/or Underwriting for a direct lending organization serving SMB clients.
• Strong understanding of:
• Business cash flow analysis
• Bank statement analysis
• Financial statement review (P&L, Balance Sheet, Cash Flow)
• Debt service and repayment capacity assessment
• Credit risk evaluation
• Experience making independent lending decisions within established authority levels.
• Excellent analytical, decision-making, and communication skills.
• Ability to thrive in a fast-paced fintech environment.
Key Responsibilities
• Analyze and underwrite small business financing applications, including Lines of Credit, working capital loans, and other commercial lending products.
• Review bank statements, financial statements, tax returns, cash flow data, and credit reports to assess creditworthiness.
• Evaluate business performance, repayment capacity, industry trends, and risk exposure.
• Make informed credit decisions within established risk parameters and lending guidelines.
• Manage and monitor existing LOC portfolios, including credit limit reviews, utilization trends, renewals, and risk mitigation strategies.
• Conduct periodic account reviews and recommend line increases, decreases, or modifications when appropriate.
• Identify potential fraud, inconsistencies, and early warning signs of credit deterioration.
• Partner closely with Sales, Operations, Risk, and Collections teams to manage portfolio performance.
• Present complex credit recommendations and rationale to senior management.
• Help refine underwriting policies, risk models, and credit processes as the company scales.
• Maintain strong knowledge of alternative lending, fintech credit products, and industry best practices. Required Qualifications
• 2+ years of experience in:
• Commercial credit analysis,
• SMB lending,
• Alternative finance,
• Fintech underwriting
• Business Line of Credit portfolio management.
• Experience with Account Management for LOC products and/or Underwriting for a direct lending organization serving SMB clients.
• Strong understanding of:
• Business cash flow analysis
• Bank statement analysis
• Financial statement review (P&L, Balance Sheet, Cash Flow)
• Debt service and repayment capacity assessment
• Credit risk evaluation
• Experience making independent lending decisions within established authority levels.
• Excellent analytical, decision-making, and communication skills.
• Ability to thrive in a fast-paced fintech environment.