Senior Credit Analyst

Mercury is building a complete finance stack for startups. We work hard to create the easiest and safest banking* experience possible to simplify our customer’s financial lives whether they are entrepreneurs, business owners, or individuals. Mercury has also obtained a provisional national bank charter and is currently taking proactive steps for final approval.

*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

This role is responsible for operating the daily underwriting process for Mercury’s commercial charge card program, including credit decisioning for new manual underwrites, monitoring and re-underwriting for existing customers, and shaping credit policy and procedure.

In this role, you will:

• Complete the underwriting of new card applications, documenting a clear and defensible rationale for each decision.
• Own the daily operations of portfolio monitoring and re-underwriting process for existing card customers, identifying risk changes early and recommending action.
• Develop and iterate the documentation for underwriting and ongoing monitoring procedures so decisions stay consistent, auditable, and aligned to credit policy.
• Provide internal support to Customer Success, Sales and Risk/Compliance on card account requests and act as strategic partner for recommending credit product fits
• Coordinate escalation workflows, routing complex or exception cases to the right decision-makers.
• Provide analytical support and influence improvements to credit policy and procedures, using what you see in applications and the portfolio.

You should:

• Have experience at a fintech or bank working with highly regulated financial products
• Have a strong credit analysis toolbox including financial statement analysis and are comfortable working with cash and revenue based underwriting methods.
• Apply sound judgment under uncertainty. You make defensible decisions without over exposing the business to undue risk.
• Have analytical curiosity. You dig into the why behind the data, spot patterns across applications and accounts, and ask what the numbers do not show.

Nice to have:

• Experience working with data analysis tools including SQL and/or Python

Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer. All individuals seeking employment at Mercury are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic. We are committed to providing reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs. If you need assistance, or an accommodation, please let your recruiter know once you are contacted about a role.