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Sr. Credit Analyst

Craft Recruiting

New York, NY

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JOB DETAILS
SALARY
$100,000–$150,000 Per Year
SKILLS
Accounting, Accounts Receivable, Analysis Skills, Background Investigation, Balance Sheet, Bankruptcy, Business Administration, Cash Flow Projection, Communication Skills, Credit Analysis, Credit Reports, Credit Risk, Cross-Functional, Dental Insurance, Detail Oriented, Documentation, Economics, Finance, Financial Analysis, Financial Statements, Industry/Trade Analysis, Leadership, Liens, Loan Structuring, Loans, Market Tracking, Market Trend Analysis, Mentoring, Pricing, Product Development, Profit & Loss, Risk, Risk Analysis, Salesforce.com, Tax Returns, Trend Analysis, Underwriting, Vision Plan
LOCATION
New York, NY
POSTED
30+ days ago

Job Title
SENIOR CREDIT ANALYST

Introduction
Craft is recruiting on behalf of a well-established specialty finance platform in Midtown Manhattan seeking a Senior Credit Analyst to support credit decisioning and portfolio quality. This is a hands-on credit role for someone who enjoys digging into financials, making sound credit calls, and partnering closely with senior risk leadership in a fast-paced environment.

Why Join

  • High-impact seat supporting senior risk leadership and influencing credit decisions and portfolio outcomes.

  • Exposure to product evolution and credit policy refinement as the platform grows.

  • Strong compensation and benefits package, including 401(k), commuter benefits, and performance bonus potential.

  • Stable, professional environment with a focus on disciplined growth and reputation.

Key Responsibilities

  • Evaluate borrower credit profiles including credit reports, background checks, and public records such as liens, judgments, bankruptcies, and UCC filings.

  • Analyze bank statements and financial documentation including P&L, balance sheet, accounts receivable, and tax returns to assess cash flow and credit risk.

  • Assess creditworthiness and recommend loan eligibility and funding amounts based on detailed analysis.

  • Price loans and structure repayment terms (weekly, biweekly, or monthly) using the company's pricing framework.

  • Prepare clear credit memos summarizing analysis, key risks, and recommendations for internal decision-making.

  • Engage directly with business owners and internal stakeholders to clarify financials and support informed lending decisions.

  • Monitor market and industry trends to identify emerging risks and lending opportunities.

  • Contribute to ongoing credit policy refinement and the development of new lending products.

What We're Looking For

Experience

  • 2+ years of experience in credit analysis, underwriting, or a similar role, ideally within business financing, specialty lending, or short-term loans.

Skills

  • Strong financial statement analysis and cash flow assessment capability.

  • Working knowledge of credit reports, background/UCC review, and risk assessment tools.

  • Excellent attention to detail with the ability to document decisions clearly.

  • Comfortable balancing speed and discipline in a high-volume environment.

  • Advanced Excel skills;Salesforce experience is a plus.

  • Clear communicator who can work effectively with leadership and cross-functional partners.

  • Interest in mentoring junior team members and taking on additional responsibility over time.

Education

  • Bachelor's degree in finance, accounting, economics, business administration, or a related field preferred, or equivalent relevant experience.

Location

  • Full-time on-site role in Midtown Manhattan

Compensation and Benefits

  • Salary Range: $100, 000 to $150, 000 depending on experience.

  • End-of-year discretionary performance bonus.

  • Medical, dental, and vision insurance.

  • Life insurance and commuter benefits.

  • 401(k) retirement plan.

  • HSA and FSA options.

Growth Opportunities

  • Opportunity to take on leadership responsibilities and support oversight of underwriters as delegated by senior risk leadership.

  • Direct involvement in shaping credit policies and contributing to new product development.

  • Meaningful runway for growth within credit as the platform expands its offerings and footprint.

About the Company

C

Craft Recruiting

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