Sr. Credit Analyst

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

Job summary

Vaco by Highspring is seeking a Senior Credit Analyst in Midtown Manhattan, NY. This role involves evaluating creditworthiness, analyzing financial statements, and supporting lending decisions for business transactions.

The ideal candidate will have a Bachelor's degree and a minimum of 2 years experience in credit analysis or commercial lending, with strong analytical skills. This is a full-time on-site position with a commitment to diversity and inclusion.

Qualifications

• 2+ years of experience in credit analysis, underwriting, commercial lending, or related fields.
• Strong financial statement analysis and cash flow analysis skills are essential.
• Ability to manage multiple priorities in a deadline-driven environment.

Responsibilities

• Review credit reports, background checks, and public records.
• Analyze financial statements and tax returns.
• Assess borrower creditworthiness and recommend lending decisions.
• Prepare credit presentations and supporting documentation.
• Partner with underwriting and leadership teams on transactions.

Skills

Financial statement analysis

Cash flow analysis

Attention to detail

Verbal communication skills

Written communication skills

Education

Bachelor's degree in Finance, Accounting, Economics, Business, or related field

Tools

Microsoft Excel

Salesforce

Job description

Location: Midtown Manhattan, NY
Schedule: Full-Time | On-Site | Monday-Friday

A growing commercial finance organization is seeking a Senior Credit Analyst to join its risk and underwriting team. This position will play a critical role in evaluating creditworthiness, assessing financial risk, and supporting lending decisions for business financing transactions.

The ideal candidate will have experience analyzing financial statements, cash flow, credit reports, and business performance metrics while working in a fast‑paced lending environment.

Responsibilities

• Review credit reports, background checks, public records, liens, judgments, bankruptcies, and UCC filings
• Analyze financial statements, tax returns, bank statements, accounts receivable reports, and cash flow documentation
• Assess borrower creditworthiness and recommend lending decisions
• Structure and price financing solutions based on risk analysis and company guidelines
• Prepare detailed credit presentations and supporting documentation
• Partner with underwriting and leadership teams on complex transactions
• Communicate directly with business owners and internal stakeholders regarding financial information and credit decisions
• Monitor industry trends and emerging credit risks
• Assist with the enhancement of credit policies, procedures, and lending programs

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business, or related field
• 2+ years of experience in credit analysis, underwriting, commercial lending, business financing, or related fields
• Strong financial statement analysis and cash flow analysis skills
• Advanced Microsoft Excel skills
• Experience evaluating business credit risk
• Strong attention to detail and analytical abilities
• Excellent written and verbal communication skills
• Ability to manage multiple priorities in a deadline‑driven environment

Preferred Qualifications

• Experience in commercial lending, alternative lending, business financing, or merchant cash advance environments
• Salesforce experience
• Experience mentoring junior team members
• Knowledge of business loan structuring and pricing

Pay Transparency Notice

Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to:

• the individual's skill sets, experience and training
• licensure and certification requirements
• office location and other geographic considerations
• other business and organizational needs

As required by local law, Vaco by Highspring believes that the following salary range referenced above reasonably estimates the base compensation for an individual hired into this position in geographies that require salary range disclosure. The individual may also be eligible for discretionary bonuses and/or participation in medical, dental, and vision benefits as well as the company's retirement plan (or similar retirement benefits).

Equal Opportunity Notice

Highspring LLC (d/b/a Vaco by Highspring) and its parents, affiliates, and subsidiaries ("we," "our," or "Vaco by Highspring") are committed to the full inclusion of all qualified individuals and do not discriminate against any employee or applicant for employment because of race (including but not limited to traits historically associated with race such as hair texture and hair style), color, sex (includes pregnancy or related conditions), religion or creed, national origin, citizenship, age, disability, status as a veteran, union membership, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, political affiliation, or any other protected characteristics as required by applicable law. The company is also committed to ensuring that persons who need them are provided with reasonable accommodations; if an accommodation is needed to participate in the job application or interview process, please contact [e-mail].

Workplace discrimination is illegal.