Senior Credit Analyst

Position Summary

The Senior Credit Policy Analyst will own the credit policy infrastructure that highlights our fintech-driven lending business.  This role will draft, maintain, and continuously refine the policies and underwriting criteria governing a diverse portfolio of fintech relationships, embedded banking programs, and specialty credit initiatives — ensuring everything Quill Bank does is grounded in sound credit judgment, defensible to regulators, and fit for purpose in a dynamic market.

This is a high-visibility, high-ownership role. This role will collaborate directly with Risk, Compliance, Legal, and external program fintechs — and you will regularly present policy updates to senior leadership and internal governance committees.

Key Responsibilities

Credit Policy Development & Maintenance

• Draft, update, and maintain credit policies, underwriting criteria, and exposure limits for all fintech-driven and specialty credit programs.
• Conduct regular policy reviews to ensure alignment with portfolio performance, regulatory guidance, and evolving program structures.
• Track and document policy exceptions, identify trends, and escalate recurring issues to senior leadership with clear, actionable recommendations.
• Evaluate new program proposals and develop or refine the applicable policy framework prior to launch.

Portfolio & Program Support

• Monitor credit quality, loss trends, and early warning indicators across fintech portfolios while feeding insights directly into policy updates and governance reporting.
• Serve as a subject-matter expert on credit policy for fintech and program fintechs — fielding questions, reviewing proposed model changes, and advising on program modifications.
• Support fintech onboarding due diligence from a credit policy perspective, ensuring new programs are structured within the Bank's risk appetite.

Regulatory & Governance Compliance

• Ensure all credit policies meet applicable regulatory requirements and internal governance standards.
• Maintain organized policy documentation in support of regulatory exams, audits, and internal reviews.
• Partner with Compliance, Legal, and Risk teams to proactively incorporate regulatory changes into the policy framework.

Collaboration & Communication

• Translate credit strategy into clear, workable policy language that internal teams and external fintechs can understand and apply consistently.
• Present policy updates, exception trends, and program recommendations to internal governance committees and senior leadership.
• Contribute to a culture of credit discipline and continuous improvement across the organization.

Specifications

• Bachelor's degree in Finance, Business, Economics, or a related field; advanced degree or relevant certification a plus.
• 5+ years of experience in credit risk, credit policy, or underwriting within banking, fintech, or specialty lending.
• Demonstrated experience writing and maintaining credit policies or underwriting guidelines.
• Meaningful exposure to fintech programs, BaaS programs, or third-party lending arrangements strongly preferred.
• Working knowledge of regulatory expectations related to credit risk and third-party oversight.

Skills & Competencies

• Exceptional written communication.  Able to translate nuanced credit concepts into precise, readable policy language.
• Sharp credit judgment and analytical rigor.  Comfortable drawing conclusions from portfolio data and performance trends.
• Thrives in ambiguity.  Adaptable and productive when business models, program structures, or regulatory expectations are shifting.
• Strong cross-functional collaborator with the credibility and communication skills to influence without authority.
• Detail-oriented and organized.  This role is the last line of defense on policy documentation quality.

Success Measures

• Credit policies are current, clearly documented, and consistently applied across all fintech programs.
• Policy exceptions are captured, escalated appropriately, and reflected in periodic policy updates — no surprises in an exam.
• Audit and regulatory exam findings related to credit policy are minimal.
• Internal and external stakeholders consistently rate policy clarity and responsiveness as a strength.
• New program launches include a complete, governance-approved credit policy framework on day one.