Senior Credit Analyst - Fintech

Company Novel Capital (www.novelcapital.com) is a fintech startup changing the way SaaS and tech entrepreneurs access funding. We provide flexible, non-dilutive capital and easy-to-understand financial insights that help software and tech companies grow. Backed by top investors like Ulu Ventures and Ignia Partners, our Capital Intelligence Platform gives founders the tools and funding they need to scale their businesses with confidence. We're looking for a senior credit analyst to join our credit team. You will be responsible for underwriting the creditworthiness of our potential B2B borrowers, using a mix of financial analysis and data analytics. If you are a professional excited by the opportunity to be a part of a fast-growing, innovative fintech startup and looking for a chance to work in the early-stage tech investing space, this is your opportunity! What You’ll Do Assess the credit risk of companies by analyzing their qualitative and quantitative financial information, developing credit approval memos, and presenting insights and recommendations for Loan Committee. Complete financial models to determine investment amounts and terms for companies approved for funding. Meet with CEOs of the companies that are seeking funding, and manage the full lifecycle of a deal including the funding evaluation process and due diligence. Identify alternative ways to assess risk that accelerates and improves our underwriting decisions. Identify opportunities to automate manual underwriting processes, and test out new hypotheses to streamline processes. Assist in optimizing and developing innovative financial products based on customer insights that are driven by data. Bachelor’s degree in a relevant subject (i.e., Finance, Accounting, Engineering, Mathematics/Physics, Computer Science, Business) or MBA. Minimum 4 years of experience in commercial underwriting with a Commercial Bank credit/underwriting team, Fintech risk/credit team, or investment/credit risk team of an asset manager/credit fund/hedge fund. Strong analytical and quantitative skills. Adept at assessing company financial risks, including downside and sensitivity analysis. You know financial statements inside out. Mastery of Excel. Bonus if you have experience analyzing and/or underwriting software companies (i.e., software financial metrics, business model). Passionate about early-stage investing, startups, and our mission to serve early-stage technology entrepreneurs is a plus. Ability to thrive in a fast-paced startup environment. This position requires candidates to have a current and valid U.S. work permit. Please confirm your eligibility to work in the United States before applying. Novel Capital is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. Competitive salary. Healthcare benefits. 401k. Unlimited PTO. Career growth with an industry innovator.