Junior Credit Decisions Analyst: Fintech Growth

YouLend Limited; Atlanta (GA); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

HealthCare Coverage

Medical Plan

Dental Plan

Vision Plan

401K Match

Paid Time Off

Office Parking

Job summary

YouLend Limited in Atlanta is seeking a Junior Credit Decisions Analyst to support underwriting of merchant financing applications. You will use YouLend’s tools to review financial data, assess risks, and help inform timely credit decisions.

As part of the Credit Decisions team, you will document reasoning, collaborate with Risk, and identify process improvements to drive efficiency in a fast-growing fintech environment.

Qualifications

• Strong analytical and problem-solving skills.
• Ability to interpret data, identify relevant information, and reach sound conclusions.
• Intermediate Excel skills, including pivot tables, lookup functions, and data visualization.
• High level of accuracy and attention to detail.
• Clear written and verbal communication skills.
• Ability to explain reasoning and contribute to discussions.
• Strong organization and time-management skills.
• Ability to manage competing priorities in a fast-paced environment.
• Proactive and adaptable approach to work.
• Interest in credit risk, financial analysis, data, and technology.

Responsibilities

• Review and underwrite merchant financing applications in line with YouLend’s credit policies and risk appetite.
• Use Excel and internal tools to analyze financial and operational data.
• Identify trends, patterns, and potential risks that may affect a merchant’s creditworthiness.
• Assess applications and make or recommend clear, well-reasoned credit decisions.
• Validate the accuracy, completeness, and consistency of information provided for each deal.
• Clearly document the reasoning behind each decision.
• Escalate complex or higher-risk applications when appropriate.
• Work closely with other teams to support consistent decision-making.
• Manage applications efficiently while maintaining high standards of accuracy and quality.
• Suggest improvements to processes, controls, automation, and internal tools.
• Contribute feedback as YouLend’s credit decisioning processes continue to develop.

Skills

Analytical skills

Data interpretation

Excel skills

Communication skills

Attention to detail

Time management

Prioritization

Proactive adaptability

Credit risk interest

Data & technology interest

Education

Finance/Economics data science degree

Tools

Job description

YouLend Limited in Atlanta is seeking a Junior Credit Decisions Analyst to support underwriting of merchant financing applications. You will use YouLend’s tools to review financial data, assess risks, and help inform timely credit decisions.

As part of the Credit Decisions team, you will document reasoning, collaborate with Risk, and identify process improvements to drive efficiency in a fast-growing fintech environment.