Credit Risk Analyst

Atlas; New York (NY); On-site; USD 70,000 - 90,000; Full time

Job summary

Atlas, a members-only concierge service, is seeking a full-time Credit Analyst based in New York. The successful candidate will manage underwriting for HNW clients, conduct financial analyses, and work closely with various departments to enhance risk frameworks. This role requires a Bachelor's degree and 1-3 years of related experience in a fast-paced, startup environment.

Qualifications

• Recent graduate with 1-3 years of experience.
• Tech savvy with proficiency in MS Office and Google Workspace.
• Strong interpersonal skills and problem-solving mindset.

Responsibilities

• Underwrite and monitor HNW clients for lending products.
• Conduct thorough financial analysis of credit requests.
• Collaborate with Fraud, Compliance, and Member Services.

Skills

Financial analysis

Credit training

Problem-solving

Time management

Communication

Attention to detail

Education

Bachelor's Degree in Finance, Accounting, Business Administration, STEM

Tools

MS Office

Google Workspace

Job description

Atlas is hiring a Credit Analyst on a full-time basis, reporting directly to the Head of Credit Risk. The candidate filling this role will be responsible for underwriting and monitoring HNW clients for consumer and business lending products; supporting the Head of Credit in preparing department presentations and reports, enhancing risk frameworks, and collaborating with other departments as needed.

Atlas is a members-only concierge and credit card that unlocks coveted access and enables seamless spending. Our cardmembers are discerning, busy HNW individuals who rely on Atlas to deliver convenience across their lifestyle while ensuring their spending power is both reliable and effortless. We’re a small team based between NYC and SF. We value in-person collaboration and expect you to join us in the office.Visit us @

Responsibilities

• Responsible for supporting the origination and underwriting of short-term HNW charge card applications.
• Conduct a thorough, in-depth financial analysis of credit requests for new and existing clients.
• Deliver and present professional, comprehensive credit memoranda to management and investors.
• Collaborate closely with Fraud, Compliance, and Member Services in the management of active clients.
• Ensure that all credit files are complete, identify any documentation deficiencies, and report to Head of Credit Risk as needed for timely resolutions.
• Handle applications in accordance with the Fair Credit Reporting Act.
• Perform other duties with flexibility as assigned.

Qualifications

• Bachelor’s Degree in Finance, Accounting, Business Administration, STEM, or related field.
• Recent graduate with 1-3 years of experience, ideally with credit training or experience in financial modeling and analysis.
• Tech savvy with a strong proficiency in MS Office and Google Workspace applications.
• Excellent attention to detail and numerical accuracy.
• Propensity to work independently, take accountability, and own the essential functions of the role.
• Must have strong time management and organizational skills to meet deadlines, including the ability to adapt to a process driven work environment.
• Effective, professional communication, both written and verbal.
• Critical and creative thinker with problem-solving skills
• Self-motivated and strong interpersonal skills as required in a startup with the ability to comfortably adapt to a fast-paced, entrepreneurial environment.

Atlas is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Atlas will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status.

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Credit Risk Analyst • New York, NY, United States