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Senior Credit Analyst
Job Description
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.
Additional Information
Whether you're an employer seeking talent or a job candidate ready for new challenges, we can help. We're Taylor White. A recruitment firm focused exclusively on placing those in the accounting and finance field - and only in the Tampa Bay area. What's more, most of our recruiters used to be accounting professionals themselves so we're uniquely capable of understanding your needs - no matter what side of the table you're on.
From placing top-tier talent in permanent positions throughout Tampa Bay to providing access to the area's best consultants, there's a reason Taylor White is the first firm both candidates and employers turn to. We know accountants.
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FAQ
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Asked Questions.
How do I apply?
You can apply for open positions through our job portal. Simply find a role that interests you and submit your application. Make sure to include your resume and cover letter.
What is the process?
After you apply, our team reviews your application. If your qualifications match the role, we will reach out for an interview. The process may vary depending on the position.
What should I bring to an interview?
Please bring a copy of your resume and any relevant certifications. It s also helpful to prepare questions about the role and our company. Dress professionally to make a good impression.
How long is hiring?
The hiring timeline can vary based on the position and number of applicants. Typically, you can expect feedback within a few weeks. We strive to keep candidates informed throughout the process.
Can I follow up?
Yes, we encourage candidates to follow up on their applications. You can reach out via email to inquire about your status. Please be patient as we review all applications thoroughly.
