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Credit Analyst

  • Location: Iselin, NJ
  • Job Type: Direct Placement
  • Ref No: 20-00272
  • Date: January 14, 2020
  • Job title:

Alexander Hawse

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Job Description - Credit Analyst

A FinTech start-up, focused on leveraging emerging mobile technologies and artificial intelligence to transform point-of-care lending between healthcare consumers and professionals. We are looking for proactive and creative Senior Consumer Credit Analyst to join our team. This is an exciting opportunity to work in a fast-paced, entrepreneurial environment.

We are revolutionizing access to credit by providing a seamless mobile experience for healthcare consumers desiring access to financing programs to pay for their healthcare expenses. As part of our underwriting team, you will leverage your expertise and knowledge to help us determine applicant credit decisions, the validity of information in question, and the review of supporting documentation.

The ideal candidate is a critical thinker, highly analytical, and a driven problem-solver. The candidate should also be passionate about innovation, the client-experience, and collaborating with our Risk, Senior Management and Engineering teams to maximize revenue.

Duties and Responsibility

Analyze and investigate loan applicant's information in response to alerts from credit and fraud services that certain information cannot be confirmed or does not match the verification data base.  This would also include all consumer statements and any credit freezes that may be in place.

Analyze and calculate documentation that is provided to verify the applicant's income.  This includes the review of tax returns.

Review, analyze, and evaluate consumer loan applications based on credit policy and apply knowledge of underwriting procedures and risk mitigation techniques to approve, counter or decline applications to ensure:

  • the transaction is accurate, complete and compliant
  • the credit history demonstrates a propensity for repayment and key ratios
  • an ability to repay from analyzing income and financial statements
  • the request complies fully to program and credit policy guidelines

Ensure application approvals complies fully to program and credit policy guidelines, identify mitigation factors and render decisions within the designated loan authority.

Responsible for receiving and initiating communications with applicants and referral partners as needed to answer questions or obtain additional information.

Perform other lending duties as assigned.


Experience:  Minimum 36 months as an underwriter in a consumer lending department either at a bank, credit union or finance company.


Strong analytical, organizational skills and attention to detail.  The knowledge and ability to calculate financial ratios.

Ability to use logical reasoning when interpreting facts and make objective observations, examinations, evaluations and recommendations.

Strong interpersonal, oral and written communication skills.

Knowledge and experience in using automated loan origination systems.

Computer literate with a working knowledge of MS Office products

Must be able to work in a fast-paced production-oriented environment


Bachelor's degree in Finance, Business, Mathematics or similar preferred.


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