Senior Credit Risk Strategist

eCapital Corp.; Lenexa (KS); Presencial; USD 85.000 - 120.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Competitive Compensation

Annual Bonus Incentives

PTO

Health, Dental, and Life Benefits

401(K) Matching

Abundant professional development

Descripción de la vacante

eCapital is seeking a Senior Credit Analyst to assess risk and manage debtor credit limits across the United States and Canada. You will analyze financial statements, credit reports, and payment histories to support executive-level credit decisions.

You will collaborate with Sales, Underwriting, and Leadership, prepare detailed recommendations, and mentor junior analysts. This role emphasizes accuracy, analytical rigor, and process improvements within a fintech lending context.

Formación

• Bachelor's degree in Accounting, Finance, Economics, Business Administration, or a related field, or an equivalent combination of education and experience
• 5+ years of experience in commercial credit analysis, risk management, or a related financial discipline
• Experience analyzing commercial businesses of varying sizes and industries
• Previous experience within the factoring, asset-based lending, commercial finance, banking, or fintech industry is a strong asset; experience with transportation or freight broker credit is preferred
• Strong understanding of financial statement analysis, financial ratios, and accounting standards (US GAAP, and IFRS/ASPE for Canadian companies)
• Experience reviewing and interpreting commercial credit reports from providers such as Dun & Bradstreet, Moody's Analytics, and other industry sources
• Working knowledge of both US and Canadian commercial credit markets

Responsabilidades

• Assess the creditworthiness of current and prospective debtors, including freight brokers, shippers, and other commercial customers in the United States and Canada, through detailed analysis of financial statements, credit reports, payment history, and other relevant information
• Establish debtor credit limits within delegated authority and recommend limits above that authority to senior management and the Executive Credit Committee
• Review the quality and concentration of prospective clients' accounts receivable portfolios to ensure key debtors meet eCapital's credit criteria
• Collaborate with Sales, Underwriting, Operations, and Executive Leadership to evaluate opportunities and provide credit risk recommendations
• Prepare comprehensive written credit proposals and recommendations for presentation to the Executive Credit Committee on the largest and most complex debtor exposures
• Handle escalated and complex debtor credit requests from the analyst team, and review junior analysts’ work for quality and consistency
• Monitor existing debtor relationships to ensure compliance with approved credit parameters, obtain and analyze updated financial statements, and identify emerging risks such as slowing payment, authority revocations, or fraud indicators
• Manage debtor concentration risk at the client and portfolio level, and communicate material concerns or adverse trends to management
• Assist in the development and implementation of policies, procedures, and best practices designed to strengthen credit risk controls, and identify process improvements, software enhancements, and operational efficiencies
• Train, develop, and mentor new and existing team members
• Provide guidance and support to internal stakeholders on credit-related matters and requests
• Participate in special projects and perform additional duties as assigned

Conocimientos

Credit analysis

Financial statement analysis

Risk assessment

Communication skills

Excel proficiency

Educación

Bachelor's degree in Accounting/Finance/Business

Herramientas

Dun & Bradstreet

Moody's Analytics

Excel (advanced)

Descripción del empleo

eCapital is seeking a Senior Credit Analyst to assess risk and manage debtor credit limits across the United States and Canada. You will analyze financial statements, credit reports, and payment histories to support executive-level credit decisions.

You will collaborate with Sales, Underwriting, and Leadership, prepare detailed recommendations, and mentor junior analysts. This role emphasizes accuracy, analytical rigor, and process improvements within a fintech lending context.