Senior Credit Analyst

SENIOR UNDERWRITER/SENIOR CREDIT ANALYST ABOUT THE COMPANY: Libertas Funding, LLC, located in Greenwich, CT, is a dynamic fintech specialty finance firm committed to providing small and medium-sized businesses access to essential capital to fund their future. Building on more than 100 years of combined financial industry experience, we keep our clients at the forefront of funding with innovative solutions tailored to their unique circumstances. Invested in relationships, we strive to be a trusted partner that businesses can count on to help them achieve more today and tomorrow. If you aspire to achieve more in your work, then Libertas is the place for you. ABOUT THE ROLE: As part of the Credit Team, you will analyze application data including financial statements, bank statements, credit card statements, business/personal credit & due diligence platforms. You will evaluate Business applicants credit worthiness in accordance with company underwriting guidelines, across Libertas portfolio of products, and speak with customers to understand their funding needs. Using background due diligence to evaluate credit risk you will create structured products to tailor needs of the client. Perform accurate analysis of any applicant file with any degree of difficulty and effectively transmit underwriting decision to relationship managers both orally and in writing. You will provide technical and analytical guidance in gathering and analyzing financial information and interface with Senior Management to discuss underwriting and risk decisions and strategies. The successful candidate will have the following: 3+ years of experience in MCA underwriting OR 2+ years in Commercial Banking Underwriting Proficient knowledge in underwriting functions, an in-depth understanding of credit reports, income statements, balance sheets and tax returns Advanced problem-solving skills and excellent communications and interpersonal skills. Bachelor's degree. Studies focused in Accounting, Finance, Economics, or a related discipline a plus. Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, and competitive analysis and projections. Proficiency with Excel and data interpretation are a must; familiarity with Adobe and CRM platforms would be a plus. Proficiency in Microsoft Office Suite, especially Excel required. Our ideal candidate will be someone who: Has commitment to integrity, excellence, accountability, customer service, and teamwork. Has a strong work ethic, and an eagerness to learn. Who has good interpersonal skills, attention to detail and a genuine commitment to the success of the team. Feels empowered to help solve escalated issues and work towards making a wrong a right. Has the ability to work in a high frequency environment. Is technically minded. Is flexible and adaptable to change. Has strong communication skills. Has positive outlook always. Can multitask at a very high level and maintain multiple deadlines. Libertas Funding, LLC participates in E-Verify. Libertas Funding, LLC will not sponsor applicants for work visas for this position. Applicants must be currently authorized to work in the United States on a full-time basis. Libertas Funding, LLC provides equal employment opportunities to all applicants for employment and prohibits discrimination and harassment of any type with regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by the federal, state, or local laws.

Created: 2024-10-31