Senior Credit Analyst

Job Title: Senior Credit Analyst

Employment Type: Full Time, 40 hours/week

Reports to Dane Epling

FLSA Status: Exempt

Who We Are

LIFE SURGE is a leading company in the industry of faith-based live events and financial education programs. One of the fastest growing organizations in the country, LIFE SURGE exists to inspire, transform and equip people to build their personal impact in ways that glorify God.By annually producing 30 events and providing financial education to thousands around the nation, we do just that.

We are a team of experienced professionals who are passionate about helping people learn, grow, and connect so they may live more enriched lives. Our culture is one where we celebrate one another, individually and as a team. We look to acknowledge and reward our star performers. Let your light shine in our company!

Opportunity:

We are seeking an experienced Senior Credit Analyst to join our finance team and play a critical role in managing credit risk across merchant processing (indirect credit), direct-to-consumer lending, and supporting strategic capital raise initiatives. The ideal candidate brings a strong analytical background, deep understanding of credit markets, and experience in underwriting both merchant and consumer credit.

Responsibilities:

Merchant Processing (Indirect Credit):

• Assist in the application and underwriting process with all potential merchant servicing providers by evaluating existing merchant accounts, using transaction-level data, financial statements, and underwriting guidelines
• On-board and maintain merchant processing providers – provider line-up, capacity/utilization, hardware/software, and complete the reconciliation of revenue related to each processor (revenue vertical)
• Report and monitor ongoing credit exposure related to chargebacks, returns, reserves, settlement risks, and for PCI compliance
• Work closely with risk, operations, and compliance teams to implement and refine credit policies for merchant onboarding and portfolio management
• Conduct periodic risk reviews and identify deteriorating credit signals to recommend appropriate mitigation strategies
• Create and maintain standard operating procedures
• Monitor and report on user access and permissions
  
  

Consumer Debt (Direct Credit):

• Underwrite consumer lending applications using credit bureau data, income verification, and internal models
• Collaborate with the sales team to refine credit scoring models and loan terms
• Report and monitor portfolio performance metrics including: applications, loan book growth, revenue, delinquency rates, pay-offs, charge-offs, and customer repayment behavior
• Monitor and report on user access and permissions
• Provide insights into customer segmentation and risk-adjusted pricing strategies
• Create and maintain standard operating procedures
  
  

Capital Raise Support:

• Develop materials and financial analysis to support investor due diligence and capital raise activities (e.g., debt facilities, securitizations, equity raises)
• Assist in the structuring and evaluation of debt instruments, including loan sale transactions, warehouse lines, etc
• Partner with treasury and FP&A teams to align funding strategies with portfolio growth and risk profile
  
  

Qualifications:

• Bachelor’s degree in Finance, Economics, Accounting, or a related field
• 2 years of experience in credit analysis or underwriting, preferably in fintech, merchant services, or consumer lending
• Deep knowledge of credit risk management principles, underwriting standards, and relevant regulatory requirements
• Strong financial modeling, Excel, and data analytics skills; experience with SQL, Python, or BI tools is a plus
• Excellent communication and presentation skills, with the ability to convey complex concepts to both technical and non-technical stakeholders
• Demonstrated experience supporting capital raise or investor relations efforts is highly desirable
  
  

Preferred Attributes:

• Experience working in a high-growth or startup environment
• Familiarity with payment processing infrastructure and settlement risk dynamics
• Comfortable operating cross-functionally in a fast-paced, evolving environment
  
  

Benefits:

• Health, Dental, Vision, Life, Holiday and Paid Time Off.
• Non-corporate, casual, entrepreneurial, comfortable, fun, and proactive work environment.
• High-level performers, disciplined, and self-motivated people will do VERY WELL in this environment.
  
  

LIFE SURGE is an Equal Opportunity Employer. We value diversity and seek to empower each individual while supporting the many perspectives, skills, and experiences within our workforce. All employment is decided based on qualifications, merit, and business needs.

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