Senior Credit Analyst Job at Robert Half (Edison)

Senior Credit Analyst

We’re looking for a Senior Credit Analyst to join the Merchant Lending Credit te...

Location

Canada

Salary:

Not provided

Shopify

Expiration Date

Until further notice

Requirements

Bachelor’s degree in finance, accounting, economics, business, or a related field, or equivalent practical experience
5+ years of experience in credit analysis, underwriting, commercial lending, fintech lending, banking, or a related field
Experience evaluating small business or commercial cash advances, loans, lines of credit, or card-based products
Strong credit judgment and ownership, with the ability to make concise, defensible recommendations by synthesizing both quantitative signals and qualitative context
Ability to represent a credit perspective clearly and constructively with cross-functional partners
Demonstrated ability to drive ambiguous, cross-functional credit or operational initiatives from problem definition through implementation
Experience influencing cross-functional partners and building strong working relationships across Product, Engineering, Data Science, Compliance, or similar teams
Strong written and verbal communication skills, including the ability to explain decisions, risk tradeoffs, and recommendations to cross-functional and senior stakeholders
Comfort working in fast-moving environments where products, processes, and priorities can change quickly
Curiosity and a continuous improvement mindset, with a bias toward leaving systems and processes better than they found them

Job Responsibility

Evaluate complex merchant credit opportunities across Shopify Capital products, including loans, lines of credit, and card-based products
Review financial statements, bank statements, tax returns, and Shopify performance data to assess creditworthiness and repayment capacity of merchants
Prepare clear, well-supported application recommendations that outline key risks, mitigants, and decision rationale
Handle sensitive financial and business information with discretion, integrity, and care
Represent the credit perspective across the organization, helping teams understand risk tradeoffs and make better product, policy, and operational decisions
Partner with Product, Data Science, Engineering, Compliance, Legal, and other teams to help shape the future of Shopify Capital with a practical, merchant-centered risk lens
Identify opportunities to improve underwriting workflows, tools, decision frameworks, and quality controls, with a focus on building scalable systems

Fulltime

Senior Credit Analyst

A growing commercial banking team is seeking a Senior Credit Analyst with a clea...

Location

United States , Minneapolis

Salary:

Not provided

Robert Half

Expiration Date

Until further notice

Requirements

Bachelor's degree in Finance, Accounting, Real Estate, Economics, or related field, or equivalent experience
5+ years of credit analysis or underwriting experience
Strong financial analysis and accounting skills
Proficiency in Microsoft Excel and Word
Strong written communication skills and attention to detail

Job Responsibility

Analyze commercial real estate and business loan requests, including acquisition, refinance, construction, and development transactions
Prepare detailed credit presentations assessing borrower financial strength, global cash flow, guarantor support, and repayment sources
Review and spread borrower, guarantor, and property-level financial statements and tax returns
Evaluate property cash flow, rent rolls, operating statements, and lease terms
Perform financial modeling, including DSCR, LTV, sensitivity, and stress testing
Review third-party reports such as appraisals, environmental reports, and market studies
Assess market trends, property performance, and geographic risk
Ensure compliance with credit policy and regulatory requirements
Support portfolio monitoring, annual reviews, covenant tracking, and risk rating updates

What we offer

medical
vision
dental
life and disability insurance
401(k) plan

Fulltime

Senior Credit Analyst

Are you a data-driven Credit professional who thrives in a high-volume, high-imp...

Location

United States , Oak Brook

Salary:

Not provided

Robert Half

Expiration Date

Until further notice

Requirements

Credit/Collections experience, specifically within a mid-market or enterprise-level company (high revenue volume)
Strong ability to interpret financial statements and market data to assess risk
Proven track record of building positive relationships with internal stakeholders and external customers
Proficiency in ERP systems (e.g., SAP, Oracle, JD Edwards) and advanced Excel
A self-starter who identifies issues before they become problems and is motivated by professional advancement
Minimum of 2 years of experience in credit analysis or a related field
Proficiency in commercial credit and collections processes
Strong customer service skills with the ability to resolve disputes professionally
Advanced analytical abilities to interpret data and identify trends
Familiarity with credit applications and account reconciliation

Job Responsibility

Monitor daily aging reports to prioritize and address delinquent accounts, ensuring aggressive collection targets are consistently met
Analyze customer financial standing, market presence, and credit risk to provide high-level recommendations for credit limits and terms
Reconcile past-due balances and collaborate with sales and customers to resolve complex billing disputes
Conduct root-cause analysis to reduce billing exceptions and identify trends that impact cash flow
Review credit holds and approve order releases in strict alignment with company policy
identify and recommend bad debt write-offs for managerial approval
Generate monthly and ad-hoc reports to provide leadership with insights into collection trends and portfolio health

What we offer

insurance
401K
vacation and holiday pay
medical
vision
dental
life and disability insurance
free online training

Senior Credit Analyst

Are you a data-driven Credit professional who thrives in a high-volume, high-imp...

Location

United States , Oak Brook

Salary:

Not provided

Robert Half

Expiration Date

Until further notice

Requirements

Credit/Collections experience, specifically within a mid-market or enterprise-level company (high revenue volume)
Strong ability to interpret financial statements and market data to assess risk
Proven track record of building positive relationships with internal stakeholders and external customers
Proficiency in ERP systems (e.g., SAP, Oracle, JD Edwards) and advanced Excel
A self-starter who identifies issues before they become problems and is motivated by professional advancement
Minimum of 2 years of experience in credit analysis or a related field
Proficiency in commercial credit and collections processes
Strong customer service skills with the ability to resolve disputes professionally
Advanced analytical abilities to interpret data and identify trends
Familiarity with credit applications and account reconciliation

Job Responsibility

Monitor daily aging reports to prioritize and address delinquent accounts, ensuring aggressive collection targets are consistently met
Analyze customer financial standing, market presence, and credit risk to provide high-level recommendations for credit limits and terms
Reconcile past-due balances and collaborate with sales and customers to resolve complex billing disputes
Conduct root-cause analysis to reduce billing exceptions and identify trends that impact cash flow
Review credit holds and approve order releases in strict alignment with company policy
identify and recommend bad debt write-offs for managerial approval
Generate monthly and ad-hoc reports to provide leadership with insights into collection trends and portfolio health

What we offer

insurance, 401K, vacation and holiday pay

Senior Credit Analyst

We are looking for an experienced Senior Credit Analyst to join team. This role ...

Location

United States , Elk Grove Village

Salary:

Not provided

Robert Half

Expiration Date

Until further notice

Requirements

Bachelor’s degree in Business, Accounting, Finance, or a related field is preferred
Minimum of 4-8 years of experience in credit risk analysis or accounting roles
Bilingual proficiency in English and Spanish is highly desirable
Strong analytical skills and attention to detail, with experience evaluating financial ratios and trends
Proficiency in Microsoft Office Suite, including Excel, Word, PowerPoint, and Outlook
Familiarity with credit-related systems such as Dynamics AX and Salesforce
Excellent verbal and written communication skills, with the ability to present complex information clearly
Ability to work independently while managing multiple priorities effectively

Job Responsibility

Conduct in-depth analyses of financial statements, credit reports, and other relevant data to assess credit risk
Prepare detailed written recommendations for loan approvals, including alternative loan structures when necessary
Utilize financial models and credit scoring systems to evaluate customer creditworthiness
Develop and present comprehensive reports and presentations to management outlining risks, merits, and mitigation strategies
Collaborate with other team members to support credit reviews and ensure adherence to company policies
Monitor and manage the credit application process, including electronic document preparation and contract execution via DocuSign
Assist in the development and enhancement of credit scoring tools and strategies for improved decision-making
Provide training and guidance to colleagues on credit analysis processes and tools
Conduct research on industry trends, guarantor analysis, and statistical data to support credit decisions
Offer support for accounts receivable and collections processes as needed

What we offer

insurance
vacation
holiday pay
401K
medical
vision
dental
life and disability insurance

Senior Credit Analyst

This Senior Credit Analyst role is essential in managing credit risk while ensur...

Location

United States , Lincoln Park

Salary:

100000.00 - 125000.00 USD / Year

Robert Half

Expiration Date

Until further notice

Requirements

Bachelor’s degree in Finance or Accounting is required
At least 5 years of experience in commercial credit, preferably in the petroleum industry
Strong skills in financial statement analysis with exceptional attention to detail
Ability to perform effectively in a fast-paced environment
Excellent communication and interpersonal skills with a results-driven attitude and high integrity
Proficiency in Microsoft Excel and other applications like Outlook, Word, and PowerPoint

Job Responsibility

Manage a portfolio of high-profile accounts by monitoring and controlling credit exposures effectively
Analyze credit data and financial statements of customers to assess creditworthiness and determine credit limits
Negotiate and secure appropriate credit instruments such as guarantees, letters of credit, and collateral to reduce financial risk
Collaborate with internal teams, including Commercial, Contracts Administration, and Legal, to ensure accuracy in transactional documents and contracts
Identify opportunities to improve cash flow and address delinquent accounts promptly through regular portfolio reviews
Resolve disputes by working closely with counterparties and internal departments like Customer Care, Billing, and Cash Application
Evaluate changes in customer creditworthiness and financial standing to align credit capacity with potential sales volumes
Prepare periodic reports to support daily credit evaluations and provide insights for management planning
Forecast credit exposures based on anticipated product movements and ensure compliance with credit requirements
Continuously improve credit processes by proposing enhancements to risk mitigation, internal controls, and cash flow strategies

What we offer

medical, vision, dental, and life and disability insurance
eligible to enroll in our company 401(k) plan
free online training

Senior Credit Analyst

Formic is on a mission to reshape American manufacturing by making automation ac...

Location

United States , Woodridge, IL

Salary:

95000.00 - 145000.00 USD / Year

Formic

Expiration Date

Until further notice

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

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

What we offer

Equity in Formic
Competitive & Uncapped Commission Structure
Comprehensive Healthcare Coverage
Additional Insurance Benefits
Employee Assistance Program (EAP)
Paid Parental Leave Program
Company-sponsored 401(k)
Home Office Stipend
Monthly Cell Phone Reimbursement
Flexible Time Off

Fulltime

Senior Credit Analyst

Formic is on a mission to reshape American manufacturing by making automation ac...

Location

United States , San Francisco; Oakland

Salary:

95000.00 - 145000.00 USD / Year

Formic

Expiration Date

Until further notice

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

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

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

Fulltime

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