Senior Credit Analyst

Job Details Job Location: Pleasant Grove - PLEASANT GROVE, UT 84062 Position Type: Full Time 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 elevate 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. QualificationsSpecifications 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 CAPITAL COMMUNITY BANK