Are you a driven billing professional with management experience looking for a highly interactive and fun career opportunity with one of the premier companies in the Sarasota area? Well, this position could be for you! We are conducting a search for a Credit Analyst to join a top performing team responsible for leading and overseeing all billing operations for the company.  

Senior Credit Analyst Benefits and Compensation: 

• A professional working environment 
• GREAT leadership and high visibility 
• TERRIFIC career growth potential 
• Medical & dental insurance 
• Highly competitive compensation of $60,000 - $70,000, plus bonus potential! 

Senior Credit Analyst Job Duties: 

• Assist in the application and underwriting process with all potential merchant servicing providers by evaluating existing merchant accounts, using transaction-level data, financial statements, and underwriting guidelines. 
• On-board and maintain merchant processing providers – provider line-up, capacity/utilization, hardware/software, and complete the reconciliation of revenue related to each processor (revenue vertical). 
• Report and monitor ongoing credit exposure related to chargebacks, returns, reserves, settlement risks, and for PCI compliance. 
• Work closely with risk, operations, and compliance teams to implement and refine credit policies for merchant onboarding and portfolio management. 
• Conduct periodic risk reviews and identify deteriorating credit signals to recommend appropriate mitigation strategies. 
• Create and maintain standard operating procedures. 
• Monitor and report on user access and permissions. 
• Underwrite consumer lending applications using credit bureau data, income verification, and internal models. 
• Collaborate with the sales team to refine credit scoring models and loan terms. 
• Report and monitor portfolio performance metrics including applications, loan book growth, revenue, delinquency rates, pay-offs, charge-offs, and customer repayment behavior. 
• Monitor and report on user access and permissions. 
• Provide insights into customer segmentation and risk-adjusted pricing strategies. 
• Create and maintain standard operating procedures. 
• Develop materials and financial analysis to support investor due diligence and capital raise activities (e.g., debt facilities, securitizations, equity raises). 
• Assist in the structuring and evaluation of debt instruments, including loan sale transactions, warehouse lines, etc. 
• Partner with treasury and FP&A teams to align funding strategies with portfolio growth and risk profile. 

Senior Credit Analyst Skills/Qualifications: 

• Bachelor's degree in finance, Economics, Accounting, or a related field. 
• 2+ years of experience in credit analysis or underwriting, preferably in fintech, merchant services, or consumer lending. 
• Deep knowledge of credit risk management principles, underwriting standards, and relevant regulatory requirements. 
• Strong financial modeling, Excel, and data analytics skills; experience with SQL, Python, or BI tools is a plus. 
• Excellent communication and presentation skills, with the ability to convey complex concepts to both technical and non-technical stakeholders. 
• Demonstrated experience supporting capital raise or investor relations efforts is highly desirable. 

 
At Taylor White, we specialize exclusively in Accounting & Finance roles in Tampa Bay. Our industry knowledge combined with our extensive recruiting experience means we not only know what you're looking for; we know how to find it! For more information, please contact us via our website at www.taylorwhite.com.