Senior Credit Analyst

# Senior Credit AnalystPleasant Grove - PLEASANT GROVE, UT 84062## OverviewPosition TypeFull Time## Description**Position Summary**The Senior Credit Policy Analyst will own the credit policy infrastructure that highlights our fintech-driven lending business. This role will draft, maintain, and continuously refine the policies and underwriting criteria governing a diverse portfolio of fintech relationships, embedded banking programs, and specialty credit initiatives — ensuring everything Quill Bank does is grounded in sound credit judgment, defensible to regulators, and fit for purpose in a dynamic market.This is a high-visibility, high-ownership role. This role will collaborate directly with Risk, Compliance, Legal, and external program fintechs — and you will regularly present policy updates to senior leadership and internal governance committees.**Key Responsibilities*****Credit Policy Development & Maintenance**** Draft, update, and maintain credit policies, underwriting criteria, and exposure limits for all fintech-driven and specialty credit programs.* Conduct regular policy reviews to ensure alignment with portfolio performance, regulatory guidance, and evolving program structures.* Track and document policy exceptions, identify trends, and escalate recurring issues to senior leadership with clear, actionable recommendations.* Evaluate new program proposals and develop or refine the applicable policy framework prior to launch.***Portfolio & Program Support**** Monitor credit quality, loss trends, and early warning indicators across fintech portfolios while feeding insights directly into policy updates and governance reporting.* Serve as a subject-matter expert on credit policy for fintech and program fintechs — fielding questions, reviewing proposed model changes, and advising on program modifications.* Support fintech onboarding due diligence from a credit policy perspective, ensuring new programs are structured within the Bank's risk appetite.***Regulatory & Governance Compliance**** Ensure all credit policies meet applicable regulatory requirements and internal governance standards.* Maintain organized policy documentation in support of regulatory exams, audits, and internal reviews.* Partner with Compliance, Legal, and Risk teams to proactively incorporate regulatory changes into the policy framework.***Collaboration & Communication**** Translate credit strategy into clear, workable policy language that internal teams and external fintechs can understand and apply consistently.* Present policy updates, exception trends, and program recommendations to internal governance committees and senior leadership.* Contribute to a culture of credit discipline and continuous improvement across the organization.## Qualifications**Specifications*** Bachelor's degree in Finance, Business, Economics, or a related field; advanced degree or relevant certification a plus.* 5+ years of experience in credit risk, credit policy, or underwriting within banking, fintech, or specialty lending.* Demonstrated experience writing and maintaining credit policies or underwriting guidelines.* Meaningful exposure to fintech programs, BaaS programs, or third-party lending arrangements strongly preferred.* Working knowledge of regulatory expectations related to credit risk and third-party oversight.**Skills & Competencies*** Exceptional written communication. Able to translate nuanced credit concepts into precise, readable policy language.* Sharp credit judgment and analytical rigor. Comfortable drawing conclusions from portfolio data and performance trends.* Thrives in ambiguity. Adaptable and productive when business models, program structures, or regulatory expectations are shifting.* Strong cross-functional collaborator with the credibility and communication skills to influence without authority.* Detail-oriented and organized. This role is the last line of defense on policy documentation quality.**Success Measures*** Credit policies are current, clearly documented, and consistently applied across all fintech programs.* Policy exceptions are captured, escalated appropriately, and reflected in periodic policy updates — no surprises in an exam.* Audit and regulatory exam findings related to credit policy are minimal.* Internal and external stakeholders consistently rate policy clarity and responsiveness as a strength.* New program launches include a complete, governance-approved credit policy framework on day one. #J-18808-Ljbffr