Senior Credit Underwriting Analyst

🕒 April 22

🏄 California, New York, +1 more states – Remote

🏄 California – Remote 🗽 New York – Remote 🌲 Oregon – Remote

💵 $128.6k - $160.7k / year

⏰ Full Time

🟠 Senior

📋 Underwriter

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Mercury

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2019

💳 Fintech

💸 Finance

☁️ SaaS

Fintech • Finance • SaaS

Mercury is a financial technology company that provides online business banking services, although it is not a bank itself. It partners with FDIC-insured banks like Choice Financial Group, Column N. A. , and Evolve Bank & Trust to offer banking services. Mercury aims to simplify financial operations for startups and businesses by offering a range of services including checking and savings accounts, treasury management, corporate cards, expense management, invoicing, and accounting automations. The platform is designed to streamline various banking tasks and enhance financial workflows with features like fraud monitoring and account security. It also offers investment opportunities through its Mercury Treasury product and startup support through its Mercury Raise platform.

📋 Description

• Underwrite loan application independently: Analyze quantitative and qualitative data across ecommerce, SaaS, and SMB borrowers. Structure, price, and propose loan terms that balance repayment capacity and Mercury’s risk posture. • Own the customer-facing deal motion: Lead diligence calls with prospective borrowers, co-pilot active negotiations with AEs, provide real-time eligibility and structuring guidance, and support the sales team on complex or competitive applications from first touch through close. • Monitor portfolio health: Support ongoing covenant monitoring, delinquency tracking, and portfolio review processes. Contribute to monthly portfolio reviews with early warning signal identification. • Contribute to credit standards: Support drafting and refinement of underwriting guidelines, risk rating frameworks, and policy documentation. • Work cross-functionally: Partner with Sales, Product, Engineering, and Data Science to improve the underwriting process, customer experience, and credit infrastructure.

🎯 Requirements

• 5+ years of credit or underwriting experience in Fintech, SMB, or commercial lending, with meaningful customer-facing experience • Strong credit fundamentals: financial statement analysis, risk rating, cash flow assessment, and identification of structural mitigants across diverse business models. • Direct deal experience: has been in the room with customers during negotiations, underwriting calls, and structuring conversations — not just behind the analysis. • Builder mindset: comfortable operating in a high-growth environment where process, tooling, and infrastructure are still being defined. • Cross-functional fluency: experience working alongside Sales, Legal, Product, and Engineering. Able to translate credit requirements into language that lands across teams. • Exposure to regulated lending or institutional credit frameworks is a plus. Familiarity with credit file standards, lending policy documentation, and examination-ready governance practices is helpful as Mercury approaches bank charter, not a hard requirement.

🏖️ Benefits

• base salary • equity (stock options) • benefits