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!
Top Skills
What We Do
Greenbox Capital is a direct funder in the merchant cash advance industry providing small businesses access to much needed working capital through merchant cash advances, invoice factoring and short-term small business loans. As a technology-driven alternative lender, Greenbox Capital’s enterprise solution, The Box, stands head and shoulders above other Fintech products. The Box increases deal security to brokers vastly improving the speed of funding and quality of underwriting for scaling and overhauls traditional means of obtaining capital with a seamless experience for the customer.
Our core values are Commitment, Communication, Teamwork, Service and Integrity. Our team is made up of dedicated, hard-working, honest individuals working together toward the company goal of being the safest place to fund small businesses! We make an impact on small businesses in the US, Puerto Rico, and Canada, every day.
