Senior Credit Analyst

🔥 17 minutes ago

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Settle

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2019

💳 Fintech

☁️ SaaS

🤝 B2B

Fintech • SaaS • B2B

Settle is a fintech-enabled SaaS platform that combines procurement, accounts payable automation and embedded working capital to help ecommerce and CPG brands manage purchasing, pay vendors, finance inventory and track true landed costs without giving up equity. Founded in 2019, Settle provides PO-to-payment workflows, invoice/PO/receipt matching, approval workflows, SKU-level landed cost calculations, integrations with Shopify, QuickBooks Online, NetSuite (and others), and offers flexible financing from roughly $20K–$15M. The company has processed billions in payments and provided over $3B in funding to brands since 2019, serving startups and scale-ups with a free entry plan and paid tiers for advanced procurement, support and cash-flow forecasting.

📋 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

• Flexible PTO • flexible and remote work culture • competitive compensation and equity • health, dental, and vision coverage for you and your dependents • 401k • HSA/FSA • an Employee Referral Program!