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!