Sr. Credit Analyst

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Sr. Credit Analyst

New York, NYDirect PlacementJob #26-00011$100K – $150K / Year

Posted Mar 10, 2026

Job Title
SENIOR CREDIT ANALYST

Introduction
Craft is recruiting on behalf of a well-established specialty finance platform in Midtown Manhattan seeking a Senior Credit Analyst to support credit decisioning and portfolio quality. This is a hands-on credit role for someone who enjoys digging into financials, making sound credit calls, and partnering closely with senior risk leadership in a fast-paced environment.

Why Join

• High-impact seat supporting senior risk leadership and influencing credit decisions and portfolio outcomes.

• Exposure to product evolution and credit policy refinement as the platform grows.

• Strong compensation and benefits package, including 401(k), commuter benefits, and performance bonus potential.

• Stable, professional environment with a focus on disciplined growth and reputation.

Key Responsibilities

• Evaluate borrower credit profiles including credit reports, background checks, and public records such as liens, judgments, bankruptcies, and UCC filings.

• Analyze bank statements and financial documentation including P&L, balance sheet, accounts receivable, and tax returns to assess cash flow and credit risk.

• Assess creditworthiness and recommend loan eligibility and funding amounts based on detailed analysis.

• Price loans and structure repayment terms (weekly, biweekly, or monthly) using the company's pricing framework.

• Prepare clear credit memos summarizing analysis, key risks, and recommendations for internal decision-making.

• Engage directly with business owners and internal stakeholders to clarify financials and support informed lending decisions.

• Monitor market and industry trends to identify emerging risks and lending opportunities.

• Contribute to ongoing credit policy refinement and the development of new lending products.

What We're Looking For

Experience

• 2+ years of experience in credit analysis, underwriting, or a similar role, ideally within business financing, specialty lending, or short-term loans.

Skills

• Strong financial statement analysis and cash flow assessment capability.

• Working knowledge of credit reports, background/UCC review, and risk assessment tools.

• Excellent attention to detail with the ability to document decisions clearly.

• Comfortable balancing speed and discipline in a high-volume environment.

• Advanced Excel skills; Salesforce experience is a plus.

• Clear communicator who can work effectively with leadership and cross-functional partners.

• Interest in mentoring junior team members and taking on additional responsibility over time.

Education

• Bachelor's degree in finance, accounting, economics, business administration, or a related field preferred, or equivalent relevant experience.

Location

• Full-time on-site role in Midtown Manhattan

Compensation and Benefits

• Salary Range: $100,000 to $150,000 depending on experience.

• End-of-year discretionary performance bonus.

• Medical, dental, and vision insurance.

• Life insurance and commuter benefits.

• 401(k) retirement plan.

• HSA and FSA options.

Growth Opportunities

• Opportunity to take on leadership responsibilities and support oversight of underwriters as delegated by senior risk leadership.

• Direct involvement in shaping credit policies and contributing to new product development.

• Meaningful runway for growth within credit as the platform expands its offerings and footprint.