Senior Credit Analyst

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Settle

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Finance • eCommerce • SaaS

Settle is a unified platform designed specifically for consumer packaged goods (CPG) brands to optimize procurement, inventory management, accounts payable automation, and financing. By leveraging advanced tools such as AI-powered underwriting and 3-way matching for purchase orders, Settle helps brands maximize profits, streamline operations, and scale effectively. Its intuitive interface integrates with major platforms like Shopify and Amazon, offering features like proactive replenishment alerts, real-time inventory tracking, and customized approval workflows. Additionally, Settle provides access to non-dilutive working capital, empowering brands with transparent credit terms to fuel strategic growth. Trusted by thousands of eCommerce and consumer brands, Settle stands as a key financial partner in modern supply chain management.

51 - 200 employees

💸 Finance

🛍️ eCommerce

☁️ SaaS

📋 Description

• 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

🎯 Requirements

• 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

🏖️ Benefits

• 🏝️ Unlimited PTO • 🏡 Flexible and remote work culture • 💸 Generous salary and equity for all staff • 🩺 Health, dental, and vision coverage for you and your dependents • 🪜 401k • 🩺 HSA/FSA • 🚀 Employee Referral Program • 🎉 Team building events