What are the responsibilities and job description for the Senior Credit Analyst position at Calyptus?
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A dynamic and analytical professional who thrives in a detail-oriented, fast-paced environment. The Senior Credit Analyst is a key player in the credit and risk assessment team, supporting the Chief Risk Officer and working closely with underwriters to ensure the quality and profitability of the loan portfolio. This role is ideal for someone who excels at financial analysis, credit evaluation, and decision-making while contributing to the development of innovative lending products.
Why This Role Matters
Senior Credit Analysts play a vital role in ensuring credit decisions are both sound and strategic. By assessing credit reports, analyzing financial statements, and evaluating overall risk, they help determine loan eligibility, pricing, and terms that balance profitability with an excellent client experience.
Beyond day-to-day analysis, Senior Credit Analysts contribute to the evolution of credit models and the development of new lending products. In turn, this supports responsible growth, strengthens the portfolio, and ensures competitiveness in the market.
What You’ll Do
- Evaluate borrower credit profiles by reviewing credit reports, conducting background checks, and analyzing public records such as liens, judgments, bankruptcies, and UCC filings.
- Analyze financial documentation including bank statements, profit and loss statements, balance sheets, accounts receivable, and tax returns to assess cash flow strength and credit risk.
- Assess creditworthiness and recommend loan eligibility and funding amounts based on detailed cash flow and risk analysis.
- Price loans and structure repayment terms (weekly, biweekly, or monthly) using our proprietary pricing framework.
- Partner closely with the Chief Risk Officer and the credit team to review complex transactions and ensure compliance with risk standards.
- Prepare clear, well-documented credit memos that summarize analysis, risks, and recommendations for internal decision-making.
- Engage directly with business owners and internal leadership to clarify financials, assess risk, and support informed lending decisions.
- Monitor market trends and industry performance to identify emerging risks and lending opportunities.
- Contribute to the development and refinement of credit policies and new lending products to support our growth.
What We’re Looking For
- Bachelor’s degree in finance, accounting, economics, business administration, or a related field.
- 2 years of experience in credit analysis, underwriting, or a similar role, preferably in business financing or short-term loans.
- A team player who communicates effectively with internal teams and leadership.
- Eager to take on responsibilities, mentor junior staff, and contribute to strategic goals.
- Proficiency in financial analysis and modeling.
- Advanced Excel skills and experience with Salesforce (highly preferred).
- Familiarity with credit reports, cash flow analysis, and risk assessment tools.
- Strong analytical and decision-making skills.
- Exceptional attention to detail and accuracy.
- Ability to work independently and manage multiple priorities in a fast-paced environment.
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Disclaimer: Calyptus uses an automated assessment tool that scores applicants.
Want to put your job search on autopilot? Join our platform, complete a 6-minute AI screening interview, and get auto-applied to 100s of high-paying roles.
Sign up now at https://app.calyptus.co/auth/candidate/sign-up and let the opportunities come to you.