Credit Strategy Analyst

ApplePie Capital Inc.; San Francisco (CA); Remote; USD 135,000 - 145,000; Full time

Job summary

ApplePie Capital, a leading online lender for the franchise industry, seeks an Analyst-Credit Strategy. This role entails developing credit policies, evaluating loan performance, and collaborating across teams to enhance operational effectiveness. The ideal candidate will bring robust analytical skills, the ability to navigate complex environments, and a commitment to delivering high-quality results.

Benefits

Medical insurance

Vision insurance

401(k)

Qualifications

• 3+ years of experience in credit risk management with emphasis on loan originations.
• Proficient in Microsoft Office, Python, SQL, Looker.
• Strong client service orientation and ability to communicate effectively.

Responsibilities

• Develop credit policy change recommendations based on loan performance.
• Participate with new loan purchaser legal and credit diligence processes.
• Ensure timely delivery of reporting and monitoring deliverables.

Skills

Credit risk management

Data analysis

Communication

Quantitative evaluation

Organizational skills

Education

Graduate degree in Business, Accounting, Finance, Economics

Tools

Microsoft Office

Python

SQL

Looker

Job description

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This range is provided by ApplePie Capital. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

$135,000.00/yr - $145,000.00/yr

Direct message the job poster from ApplePie Capital

ApplePie Capital is a fast-growing online lender focused exclusively on the franchise industry. Our channel is differentiated, and our momentum is real - we forge partnerships with high quality franchise brands, who deliver highly qualified franchisee borrowers seeking capital to grow their franchise empire and escape the growth limitations of traditional financing.

We have originated over $2.8B in loan volume to fund franchise loans. Our next step is to scale our success and become the premier one-stop shop for franchise finance, a $80B annual debt market. To get there, we’re looking for team members with true grit, an entrepreneurial spirit, and a burning desire to make their mark.

As an Analyst-Credit Strategy, you will report directly to the Chief Credit Officer in our centralized analytics department with exposure and interaction across the Executive Suite. You will take ownership of our credit and capital markets analytics, strategy development, forward and existing portfolio performance representations and internal/external party communication support.

You will support the Chief Credit Officer with operationalizing ideas, developing data based credit strategies, evaluation of loan portfolio performance, forecasting loan portfolio performance, collaborating cross-functionally and successfully navigating complexity and tight timelines.

The ideal candidate will have experience and a proven track record of quantitative evaluation of loan originations performance and portfolio performance.

This full-time position is available on a remote basis.

Responsibilities:

• Develop credit policy change recommendations based on ApplePie Capital’s originated loan performance, changes in business direction and macroeconomic shifts
• Develop and regularly update historical and go-forward (forecast) evaluations of ApplePie Capital’s loan pool
• Yield Expectations
• Assist in efforts to build a stable capital base to support our franchise loan originations through effective presentation of data
• Participation with new loan purchaser legal and credit diligence processes, working collaboratively across functions to ensure that we provide timely, accurate information about all aspects of our financial products and processes to prospective loan buyers
• Ensure timely and accurate delivery of reporting and monitoring deliverables
• Work with Sales, Credit, Marketing and Legal teams to ensure data integrity of investor reporting
• Maintenance and updating of standard monthly diligence and marketing materials and Capital Markets data room

Qualifications:

• 3+ years of experience in credit risk management with emphasis on loan originations and portfolio management
• Proficient in Microsoft Office (particularly Excel), Python, SQL and Looker
• Capable of leveraging large data sets and using them to effectively proposed recommendations that drive decisions through technical skills and code writing skills
• Highly organized, detail-oriented and a strong client service orientation
• Experience operating in a fast-paced environment and comfortable prioritizing critical issues
• Outstanding written and verbal communication skills and ability to clearly articulate information tailored to the audience, both internally and externally
• Strong team player who can motivate and influence diverse and distributed teams

Preferred Skills:

• Graduate degree in Business, Accounting, Finance, Economics or a related field
• Strong time management skills with a proven ability to meet deadlines and discern prioritization among many activities
• Experience with Data Science techniques and database manipulation
• High Proficiency with Python, SQL, Microsoft Office (Word, Excel, Outlook, and PowerPoint) and/or Google Workspace skills and Salesforce

ApplePie Capital is an equal opportunity employer.

For more information about ApplePie Capital, visit www.applepiecapital.com.

Seniority level

• Seniority level

  Associate

Employment type

• Employment type

  Full-time

Job function

• Job function

  Analyst and Finance

• Industries

  Financial Services and Banking

Referrals increase your chances of interviewing at ApplePie Capital by 2x

Inferred from the description for this job

Medical insurance

Vision insurance

401(k)

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