Senior Credit Analyst

About the Company

Parker's mission is to increase the number of financially independent people by providing independent business owners with the financial tools they need to scale profitably. We are a Series B fintech providing virtual corporate cards and profitability-focused software tooling for eCommerce merchants.

Responsibilities

• Evaluate business credit applications with exposure limits ranging from $50K to $5M+
• Analyze financial statements, bank transaction data, and real-time business performance
• Assess qualitative factors including industry trends and business model risk
• Recommend credit decisions with supporting rationale and term structuring
• Partner with Sales on customer discussions and complex deal structuring
• Monitor portfolio health and assist in reviews of at-risk accounts
• Contribute to evolving credit policies, frameworks, and decisioning models
• Serve as a mentor and escalation point for junior credit and risk analysts

Requirements

• 5+ years of experience in credit analysis, preferably in SMB, middle market, or fintech lending
• Deep understanding of business credit fundamentals and financial analysis
• Experience working with credit systems, financial modeling, and risk scoring frameworks
• Ability to balance risk with commercial outcomes and growth priorities
• Clear communication skills for stakeholder discussions
• Comfort working in a fast-paced startup environment

Preferred Qualifications

• Experience with transaction-level data credit analysis (e.g. Plaid, Open Banking)
• Background in fintech, payments, or embedded credit products
• Familiarity with Anti-Financial Crime / KYB controls