Senior Credit Risk Analyst — Fintech & Lending

eCapital Corp.; Dallas (TX); On-site; USD 95,000 - 135,000; Full time

Benefits offered by this job

Competitive Compensation

Annual Bonus Incentives

PTO

Health, Dental, and Life Benefits

401(K) Matching

Professional development opportunities

Job summary

eCapital seeks a Senior Credit Analyst to evaluate new and existing debtor relationships across the United States and Canada, analyze financial statements, set credit limits, and prepare executive credit proposals. The role offers opportunities to influence credit decisions, mentor junior staff, and contribute to cross-functional risk initiatives.

You will collaborate with Sales, Underwriting, and Leadership to drive prudent credit risk management while enhancing processes and controls within a

Qualifications

• Bachelor's degree in Accounting, Finance, Economics, Business Administration, or related field.
• 5+ years of commercial credit analysis, risk management, or related financial discipline.
• Experience analyzing diverse commercial businesses.

Responsibilities

• Assess debtor creditworthiness across the US and Canada using financial statements and credit reports.
• Establish and recommend debtor credit limits within approved authority.
• Prepare credit proposals for Executive Credit Committee and mentor junior analysts.
• Collaborate with Sales, Underwriting, Operations, and Leadership on risk assessments.
• Monitor compliance with credit parameters and identify emerging risks.

Skills

Credit analysis

Financial statement analysis

Risk management

Stakeholder communication

Advanced Excel

Education

Bachelor's degree in Accounting/Finance/Economics/Business Administration

Tools

BI tools

Excel (Advanced)

Job description

eCapital seeks a Senior Credit Analyst to evaluate new and existing debtor relationships across the United States and Canada, analyze financial statements, set credit limits, and prepare executive credit proposals. The role offers opportunities to influence credit decisions, mentor junior staff, and contribute to cross-functional risk initiatives.

You will collaborate with Sales, Underwriting, and Leadership to drive prudent credit risk management while enhancing processes and controls within a