Introduction
Craft is recruiting on behalf of a well-established specialty finance platform in Midtown Manhattan seeking a Senior Credit Analyst to support credit decisioning and portfolio quality. This is a hands-on credit role for someone who enjoys digging into financials, making sound credit calls, and partnering closely with senior risk leadership in a fast-paced environment.
Why Join
High-impact seat supporting senior risk leadership and influencing credit decisions and portfolio outcomes.
Exposure to product evolution and credit policy refinement as the platform grows.
Strong compensation and benefits package, including 401(k), commuter benefits, and performance bonus potential.
Stable, professional environment with a focus on disciplined growth and reputation.
Key Responsibilities
Evaluate borrower credit profiles including credit reports, background checks, and public records such as liens, judgments, bankruptcies, and UCC filings.
Analyze bank statements and financial documentation including P&L, balance sheet, accounts receivable, and tax returns to assess cash flow and credit risk.
Assess creditworthiness and recommend loan eligibility and funding amounts based on detailed analysis.
Price loans and structure repayment terms (weekly, biweekly, or monthly) using the company's pricing framework.
Prepare clear credit memos summarizing analysis, key risks, and recommendations for internal decision-making.
Engage directly with business owners and internal stakeholders to clarify financials and support informed lending decisions.
Monitor market and industry trends to identify emerging risks and lending opportunities.
Contribute to ongoing credit policy refinement and the development of new lending products.
What We're Looking For
Experience
2+ years of experience in credit analysis, underwriting, or a similar role, ideally within business financing, specialty lending, or short-term loans.
Skills
Strong financial statement analysis and cash flow assessment capability.
Working knowledge of credit reports, background/UCC review, and risk assessment tools.
Excellent attention to detail with the ability to document decisions clearly.
Comfortable balancing speed and discipline in a high-volume environment.
Advanced Excel skills;Salesforce experience is a plus.
Clear communicator who can work effectively with leadership and cross-functional partners.
Interest in mentoring junior team members and taking on additional responsibility over time.
Education
Bachelor's degree in finance, accounting, economics, business administration, or a related field preferred, or equivalent relevant experience.
Location
Full-time on-site role in Midtown Manhattan
Compensation and Benefits
Salary Range: $100, 000 to $150, 000 depending on experience.
End-of-year discretionary performance bonus.
Medical, dental, and vision insurance.
Life insurance and commuter benefits.
401(k) retirement plan.
HSA and FSA options.
Growth Opportunities
Opportunity to take on leadership responsibilities and support oversight of underwriters as delegated by senior risk leadership.
Direct involvement in shaping credit policies and contributing to new product development.
Meaningful runway for growth within credit as the platform expands its offerings and footprint.
Numbers & Facts
Location
New York, NY
Salary
$100,000–$150,000 Per Year
Skills
Accountingunmatched
Accounts Receivableunmatched
Analysis Skillsunmatched
Background Investigationunmatched
Balance Sheetunmatched
Bankruptcyunmatched
Business Administrationunmatched
Cash Flow Projectionunmatched
Communication Skillsunmatched
Credit Analysisunmatched
Credit Reportsunmatched
Credit Riskunmatched
Cross-Functionalunmatched
Dental Insuranceunmatched
Detail Orientedunmatched
Documentationunmatched
Economicsunmatched
Financeunmatched
Financial Analysisunmatched
Financial Statementsunmatched
Industry/Trade Analysisunmatched
Leadershipunmatched
Liensunmatched
Loan Structuringunmatched
Loansunmatched
Market Trackingunmatched
Market Trend Analysisunmatched
Mentoringunmatched
Pricingunmatched
Product Developmentunmatched
Profit & Lossunmatched
Riskunmatched
Risk Analysisunmatched
Salesforce.comunmatched
Tax Returnsunmatched
Trend Analysisunmatched
Underwritingunmatched
Vision Planunmatched
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