Credit Analyst

About Relay Payments

Relay Payments is a modern, digital payment network for the trucking and logistics industries. Trusted by more than 500,000 drivers, 100,000 carriers, and 3,000 truck stops nationwide, Relay has brought efficiency and automation to an industry historically reliant on cash, checks, and cards. Relay has joined forces with industry leaders like Pilot, Love's, Maverik, Schneider, Old Dominion, Lineage Logistics, and others to provide secure, reliable over-the-road transactions. Founded in 2019, our Atlanta-based fintech includes more than 150 team members and has won awards for product innovation, customer service, and organizational culture. For more information about Relay, visit relaypayments.com.

About The Role

Relay is seeking a highly organized, detail-oriented Credit Analyst to join our growing Credit team. This role will serve as a critical operational partner to the Head of Credit by supporting credit operations, portfolio monitoring, customer follow-up, reporting, and process improvement initiatives.

As Relay continues to experience rapid growth, the Credit Analyst will help improve turnaround times, strengthen risk oversight, enhance reporting capabilities, and reduce key-person dependency within a critical business function.

This position is ideal for someone who enjoys ownership, thrives in a fast-paced environment, and takes pride in producing accurate, high-quality work. This position requires you to be in the office 3 days a week (hybrid environment) at Cobb Galleria.

• Review and organize new credit applications prior to underwriting.
• Underwrite new and existing credit requests through financial analysis, due diligence, and review of customer credit needs.
• Follow up with customers regarding application requirements.
• Coordinate application status updates with Sales, Account Management, and Customer Success teams.
• Assist with credit line maintenance and administrative account updates.
• Support collection attempts alongside the Credit team.
• Manage internal credit inquiries and Jira requests.
• Assist customers with documentation requests and account maintenance.
• Identify opportunities for process improvements and automation.
• Document procedures and maintain operational documentation.
• Monitor intraday balances and identify accounts requiring proactive attention.

About You

• Bachelor's degree in Finance, Accounting, Business, Economics, or equivalent experience.
• 3+ years of experience in credit operations, commercial credit, financial operations, banking, collections, or a related analytical role.
• Experience reviewing commercial financial statements and business financial information.
• Familiarity with commercial credit reporting platforms such as Dun & Bradstreet (D&B), Experian Business, and LexisNexis.
• Fundamental understanding of accounting principles.
• Strong analytical and organizational skills.
• Excellent written and verbal communication.
• Advanced Excel or Google Sheets experience.
• Ability to manage multiple priorities with strong attention to detail.
• Comfortable engaging with customers in challenging situations to obtain required information and resolve outstanding issues.
• Team player who possesses a positive attitude and an eagerness to learn in a supporting role.

Our Core Values

• Invent the Future - We embrace the spirit of invention, the idea that there's always a better way. Together we dream big, fail fast, drive forward, and find creative solutions where others see roadblocks. We prize grit, resilience and speed as we work to transform our industry and to move it into the future.
• Own the Work -Our work is a source of personal pride and fulfillment. We're here because we relish a challenge and enjoy the exercise of proactively identifying and solving problems. We understand the power of accountability and are in constant pursuit of "more and better" for our customers, our partners and ourselves.
• We're in it Together - We're all in, committed to, and driven by our shared ambition and vision; we understand that alignment and collaboration are imperative. We set aside our ego to actively sync with one another, becoming greater than the sum of our parts. We are consistently open and generous with information, clear, concise and direct in our communication.

Why Relay Payments

• This is a game-changing chance to join one of Atlanta's best-funded, most well-positioned fintech start-ups.
• We are generously sharing equity in the company - everyone's an owner!
• We invest in your future with our 401K match program and dedicated personal/professional development funds.
• Do what's best for your mental, physical and emotional health with our "Unlimited/Be Reasonable" PTO policy.
• We offer competitive benefits including medical, dental and vision insurance.
• And lots, lots more!