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Formic Logo Formic · Finance

Senior Credit Analyst

United States, San Francisco 95000.00 - 145000.00 USD / Year · Job Posted February 20, 2026
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Job Description

Formic is on a mission to reshape American manufacturing by making automation accessible to every factory. As a Senior Credit Analyst, you will lead underwriting efforts for SMB and mid-market manufacturing customers. You will assess financial health, evaluate risk, and recommend commercial structures that align customer opportunity with Formic’s capital strategy.

Job Responsibility

  • Evaluate financial statements, cash flow profiles, leverage, and working capital trends for SMB and mid-market companies
  • Assign internal risk ratings and recommend appropriate exposure thresholds
  • Structure commercial terms aligned to customer risk profile and portfolio objectives
  • Partner with Sales to support timely deal execution while maintaining underwriting discipline
  • Coordinate with Legal and Finance to ensure commercial terms align with Formic’s risk posture
  • Monitor portfolio performance and identify early warning indicators
  • Maintain clear documentation of underwriting decisions and supporting analysis
  • Contribute to refinement of underwriting tools, frameworks, and internal processes

Requirements

  • 5+ years of experience in commercial credit, underwriting, equipment finance, or asset-based lending
  • Direct experience underwriting SMB or mid-market manufacturing companies
  • Strong understanding of financial statements, cash flow analysis, and asset-heavy business models
  • Experience structuring credit exposure and negotiating commercial terms
  • Ability to make independent, well-reasoned credit decisions
  • Strong communication skills and comfort partnering with Sales and cross-functional stakeholders

Nice to have

  • Experience in equipment finance, leasing, or capital equipment underwriting
  • Familiarity with subscription or recurring revenue business models
  • Experience with portfolio monitoring, delinquency management, and loss forecasting
  • Experience working within Salesforce or similar CRM-driven workflow

What we offer

  • Equity in Formic
  • Competitive & Uncapped Commission Structure
  • Comprehensive Healthcare Coverage: Medical, dental, and vision insurance through Blue Cross Blue Shield and Unum, with 99% of employee premiums covered and 75% coverage for dependents, with optional buy-up plans available
  • Additional Insurance Benefits: FSA and DCFSA, life insurance, short-term disability, and long-term disability through Unum, all 100% employer-paid
  • Employee Assistance Program (EAP)
  • Paid Parental Leave Program: Up to 12 weeks of paid parental leave
  • Company-sponsored 401(k)
  • Home Office Stipend
  • Monthly Cell Phone Reimbursement
  • Flexible Time Off
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