Senior Credit Analyst

About the Role: The Senior Credit Analyst will help support the Credit Department by underwriting loan requests, implementing strategy and process improvement across our lending platform, and assisting the Credit Department management team as needed. It is critical for this person to be able to operate in a fast-paced environment and juggle competing tasks. What You'll Do: Review commercial loan applications for approval/decline Have an eye for detail in terms of both financial performance and potential fraud Have working knowledge of CPG space Assist the Credit Department to get ahead of potential delinquencies/defaults Identify process gaps. Suggest and implement improvements Partner with our risk operations team to manage payment failures and triage escalations Serve as a cross-functional partner between credit, finance, capital markets, and risk operations to ensure accurate reporting for our borrowing facilities Periodically perform underwriting audits to ensure we are complying with our internal policies What You’ll Need: 3+ years of commercial underwriting experience at a bank, financial institution, or fintech company. Fintech experience is preferred, but not required Prior portfolio management and/or workout experience a plus Thorough analysis of financial statements (P&L, BS, CF) and metrics Experience underwriting/managing asset-based loans, term loans, factoring facilities, merchant cash advances, credit cards, or other loan products Strong Google Workspace, MS Excel, and SQL skills required Meticulously detail-oriented, with the ability to prioritize tasks effectively Self-starter mentality; ability to work autonomously and lead projects with limited oversight Critical thinker who can digest complex problems, weigh competing factors, articulate risks, and reach a solution with cross-functional stakeholders Compensation: This role has an annual starting salary range of $90,000 - $115,000 + equity + benefits. Actual compensation is influenced by a wide array of factors including but not limited to your individual skills and experience. Work Authorization: At this time, Settle is unable to sponsor or take over sponsorship of employment visas. Candidates must be authorized to work in the United States without current or future sponsorship. Benefits & Perks That We Offer: Flexible PTO, flexible and remote work culture, competitive compensation and equity, health, dental, and vision coverage for you and your dependents, 401k, HSA/FSA, and an Employee Referral Program! Our Commitment to You: At Settle we know that cultivating diversity and fostering an inclusive work environment is critical to our impact and success. We create an environment where no individual is advantaged or disadvantaged because of their background. We offer equal opportunity employment regardless of race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability status, age, marital status, or protected veteran status.