Junior Credit Analyst

Status: Full-Time, Onsite in Solana Beach

General Summary:

FundCanna is seeking a highly driven individual with a strong interest in private credit/alternative lending and the cannabis industry. This is a credit operations and analyst-track role owning the execution of backend credit operations – including processing, funding, and post-funding compliance, while progressively developing underwriting judgment and analytical responsibility. The successful candidate will work independently as a key member of a small, high-performing credit team.

Major Responsibilities:

Credit Processing & Deal Execution

• Manage inbound application and funding queues for both new & repeat business lines
• Validate and populate data into CRM system (Salesforce)
• Initiate API calls for credit, background, and bank data from various external vendors
• Formulate initial stipulations and field requests from Sales department to usher files through deal pipeline
• Maintain complete and audit-ready deal records and documentation

Funding & Operational Oversight

• Facilitate due diligence at time of funding by verifying borrower information: government identification, cannabis license status, voided check and/or bank letter
• Countersign funding agreement and ensure accuracy of contract details
• Create repayment schedules and set up ACH disbursements/wire transfers

Post-Funding & Compliance

• Assist in the filing of UCC, CAR and SAR reports

• Perform routine AML and Global Sanctions (OFAC) record searches to onboard strategic partner and broker accounts

Credit & Analytical Development

• Alert underwriting team of potential flags, acting as first line of defense against credit risk
• Participate in credit discussions and deal structuring conversations
• Develop familiarity with internal credit policy, underwriting rules, and risk evaluation frameworks
• Progress toward limited approval authority and increased credit responsibilities over time

Knowledge, Skills and Abilities Required

Education & Experience

• Bachelor’s degree in Business Administration, Finance or related field, and/or 1-3 years of relevant experience in lending, banking, financial services, underwriting support, or operations. Early-career candidates with strong analytical aptitude are encouraged to apply.

Drive & Ambition

• Genuine curiosity about credit risk. Seeks to learn and grow by asking what, why, and how.
• Actively strives to expand scope and responsibility without being asked.

Intellect & Analytical Wiring

• Exercises sound judgment with incomplete or ambiguous data.
• Connects dots across disparate data points (financial, behavioral, industry-specific) to paint a coherent picture.
• Reads between the numbers and recognizes patterns.

Work Ethic and Accountability

• Owns outcomes, not just tasks. Catches clerical & other errors before others, preventing issues from magnifying.
• Thrives under pressure without quality degrading.
• Doesn’t wait to be asked and communicates proactively when something is off.

Growth Opportunity

This role is intentionally structured as a development position with a path toward:

• Expanded analytical responsibilities
• Independent deal review
• Initial/limited signing authority
• Full Credit Analyst progression based on performance

Industry Environment

This role supports funding to highly regulated cannabis and ancillary business and offers unique exposure to alternative lending, fin-tech, regulatory complexity, novel credit data and risk attributes, policy development and more.

Why FundCanna

FundCanna is the leading provider of short-term financing to the cannabis industry, backed by over 25 years of creative financing experience and more than $20 billion in capital markets expertise. In 4 years of operation, FundCanna has originated $500MM in approvals across nearly 6,000 files reviewed. We offer a collaborative, performance-driven environment with competitive benefits and a commitment to professional growth.