Credit Risk Analyst

The role

You will underwrite large customers by manually reviewing business and financial risk. You will also build AI-assisted monitoring, manage credit policy with funding partners, and partner with sales teams.

What you will do

• Underwrite largest customers by hand.
• Spread income statements and balance sheets and set limits.
• Build AI-assisted monitoring for financial and qualitative risk signals.
• Build pre-approval lists for sales.
• Partner with revenue to explain credit decisions and work through limit requests.
• Keep credit policy current with funding partner.
• Own charge card escalations for Customer Experience.
• Build new processes, reports, or tools for the function.

Required qualifications

• Manual commercial credit underwriting experience at a corporate or commercial card issuer.
• Strong financial statement analysis skills.
• Ability to spread statements and defend limits from financial documents.
• Ability to use AI and data tools to work faster.

Nice to have

• SQL, especially in Snowflake
• Experience spreading statements in Heron or a similar tool
• Familiarity with S&P or Moody's financial statement models and business credit bureaus
• Experience as a risk partner embedded with a sales team

Before you apply

• All offers of employment are conditional upon a successful background check and employment verification through Certn.

About the company

Relay is a digital banking platform that gives self-made business owners tools to manage money. They aim to replace financial guesswork with real visibility for businesses.