Credit Analyst

Credit Analyst

Why This Role Matters

The Credit Analyst plays a critical role in Greenbox Capital’s growth by evaluating credit risk and making disciplined, risk-based pricing decisions. This role balances portfolio quality, speed to decision, and competitiveness - ensuring merchants can access timely funding while protecting Greenbox’s capital. You’ll exercise independent judgment within established credit policies and partner closely with Sales and Underwriting to structure high-quality, executable deals.

What Success Looks Like…

• You consistently make sound underwriting and pricing decisions aligned with policy and risk tolerance
• Deals are priced accurately and efficiently, supporting strong conversion without compromising quality
• Risk flags and fraud indicators are identified early and escalated appropriately
• Internal partners trust your judgment, communication, and recommendations
• You contribute ideas that improve underwriting speed, accuracy, and scalability

How You’ll Be Measured…

• Productivity: Consistently meets monthly production targets, maintaining signed contracts within 85% of top-producer benchmarks
• Pricing Timeliness: Meets or exceeds pricing turnaround SLAs
• Quality & Accuracy: Maintains underwriting error rates within acceptable thresholds

What You’ll Do…

• Conduct comprehensive credit reviews, including bank statements, tax returns, financial statements, and merchant/owner credit profiles
• Identify, assess, and resolve risk flags to determine creditworthiness and sources of repayment
• Apply underwriting judgment consistently within established credit policies
• Perform business due diligence using internal tools and third-party data sources to identify fraud or misrepresentation
• Execute risk-based pricing decisions aligned with portfolio performance goals and market conditions
• Collaborate with Sales, ISOs, and internal teams to communicate decisions clearly and professionally
• Manage competing priorities to meet service-level expectations
• Monitor industry trends and emerging risks, recommending improvements to policies, processes, or tools

You’re a Strong Fit If…

• You enjoy analyzing financial data and translating it into clear risk decisions
• You’re comfortable making independent judgments in a fast-paced environment
• You balance customer and partner experience with disciplined risk standards
• You’re naturally curious and proactive about learning market trends and best practices
• You communicate clearly and collaborate effectively across teams

What You’ve Done Before…

• Bachelor’s degree in Finance, Business, Economics, or a related field required
• 2+ years of experience in underwriting, credit analysis, or a related financial role
• Hands-on experience with cash flow analysis, credit risk assessment, and risk-based pricing

Tools and Expertise You’ll Bring...

• Strong proficiency in Microsoft Office; advanced Excel skills preferred
• Experience working in Salesforce or a comparable CRM
• Solid understanding of underwriting principles, credit policy, and small business lending
• Ability to synthesize complex financial data into clear conclusions and recommendations

What to Expect from Our Interview Process 

We believe in a respectful, efficient, and transparent hiring experience. Here’s what you can expect: 

Step 1: Initial Phone Screen (30 minutes) 
A brief conversation with a recruiter to learn more about your background, interests, and alignment with the role. 

Step 2: Hiring Manager Interview (1 hour) 
A deeper discussion about the role, your relevant experience, and how you’d contribute to the team. 

Step 3: Assessment or Panel Interview (30 minutes) 
Depending on the role, this may include a take-home assignment, Bryq assessment, technical interview, or live case study with team members. 

Step 4: Final Interview or Leadership Chat (30 minutes) 
A final conversation with senior leadership or cross-functional team members to ensure alignment with our mission and values. 

Step 5: Offer & Background Check 
If it’s a mutual fit, we’ll move forward with background check and present a competitive offer. We aim to complete this process within 2–3 weeks from your first conversation with us. 

Benefits: 

💸 Competitive Pay - We know your worth and we pay accordingly. 

🌴 Flexible PTO - Work hard, rest well. Take the time you need to recharge. 

🏡 Remote - Fully remote within the U.S., working Eastern Time hours to keep everyone aligned. 

🩺 Full Benefits Package - Health, dental, vision 

🧠 Smart, Supportive Teammates - Collaborate with sharp minds who are kind, driven and uphold our core values!