Newtek''s and its subsidiaries'' business and financial solutions include: banking (Newtek Bank, N.A.), Business Lending, Electronic Payment Processing, Technology Solutions (Cloud Computing, Data Backup, Storage and Retrieval, IT Consulting), eCommerce, Accounts Receivable Financing & Inventory Financing, Insurance Solutions, Web Services, and Payroll and Benefits Solutions. The Credit Analyst is responsible for supporting Underwriters in managing credit risk by accurately spreading financial information, preparing initial and modified credit workbooks, and assisting with the development of credit memorandums.