Credit Analyst

Overview

This is a 4-month contract role supporting a personal finance organization that provides financial products, educational content, and digital tools to help users make informed financial decisions. The position is remote in the US ONLY for candidates who live in EST, CST, or MST time zone and requires working 40 hours/week.

Responsibilities

• Review and analyze small business loan applications, including tax returns, balance sheets, profit and loss statements, and debt schedules.
• Audit borrower files for completeness, accuracy, and compliance with bank credit requirements.
• Perform financial spreading and identify key risks, strengths, and inconsistencies in borrower financials.
• Support credit decisioning by flagging issues, missing documentation, and follow-up questions for internal teams.
• Manage assigned files within the credit pipeline to meet defined SLAs and turnaround times.
• Serve as a credit support resource to Sales and Relationship Managers by helping prepare files for downstream review.
• Maintain organized and accurate documentation within internal systems.

Requirements

• 2+ years of professional experience in Credit, Accounting, Finance, or underwriting-related roles.
• Strong ability to read, interpret, and analyze small business financial statements.
• High attention to detail and comfort working in a high-volume, deadline-driven environment.
• Ability to work independently within clearly defined credit guidelines and processes.
• Clear written and verbal communication skills.
• Proficiency in Excel for financial analysis.
• Bachelor’s degree in Finance, Accounting, or a related field required.

Preferred Qualifications

• Prior experience with SMB lending or bank underwriting.

Compensation & Benefits

• Hourly pay rate range: $ 25-30/hr, dependent on location, experience, expectation.
• Medical, Dental, Vision, 401K, provided minimum eligibility hours are met.

Location

• Remote in the US ONLY.
• Candidates must live in EST, CST, or MST time zone.