[Remote] Commercial Credit Analyst

Note: The job is a remote job and is open to candidates in USA. NewtekOne, Your Business Solutions Company, is a financial holding company that provides a wide range of business and financial solutions to the small- and medium-sized business market. They are seeking a Credit Analyst to support Underwriters in managing credit risk through financial analysis and documentation preparation.

Responsibilities

• Assist Underwriters in the analysis and management of credit risk by preparing high-quality financial spreads and credit documentation
• Spread borrower tax returns and internal financial statements using designated spreading software and Microsoft Excel
• Prepare and complete assigned sections of credit memorandums for Underwriter review, including but not limited to: Business and personal credit reports, Bank and merchant statements and all required financial spreads
• Prepare full credit memorandums for SBA microloan requests in accordance with internal policies and SBA guidelines
• Review and analyze tax transcripts to validate borrower-reported financial information
• Pull and compile due diligence reports, including RMA industry data, NHRA reports, and business and personal credit reports
• Ensure accuracy, consistency, and completeness of all financial and credit-related documentation prior to submission
• Maintain organized electronic credit files and supporting documentation
• Communicate effectively with Underwriters and other internal stakeholders regarding credit file requirements, findings, and follow-up items
• Perform other related duties and projects as assigned

Skills

• Bachelor's degree in Finance, Accounting, Mathematics, Economics, or a related field required
• Strong proficiency with Microsoft Office products, particularly Excel and Word; ability to work efficiently with financial data and templates
• High level of computer literacy and ability to learn and utilize financial spreading and credit analysis software
• Strong analytical skills with attention to detail and accuracy
• Effective organizational and time-management skills, with the ability to manage multiple priorities and deadlines
• Clear verbal and written communication skills, with the ability to present financial information in a concise and logical manner
• Sound judgment and decision-making abilities when reviewing financial and credit information
• Ability to establish and maintain effective working relationships with internal team members and external partners

Company Overview