Mercury
Finance / FinServ
SeniorCreditUnderwritingAnalyst
Neural analysis suggests this role is
optimal for Senior candidates.
“Senior Credit Underwriting Analyst at Mercury. Skills: credit underwriting, loan structuring, financial statement analysis, risk assessment, customer negotiation. Underwrite loan application independently. Analyze quantitative and qualitative data across ecommerce, SaaS, and SMB borrowers”
Industry & Context.
art of unearthing hidden variables; subtle pattern bridging the gap between that of real and perceived risk; Analyze quantitative and qualitative data; early warning signal identification
What They're Looking For.
Must Have
5+ years of credit or underwriting experience in Fintech, SMB, or commercial lending, meaningful customer-facing experience, credit fundamentals: financial statement analysis, risk rating, cash flow assessment, and identification of structural mitigants across diverse business models, Direct deal experience: has been in the room with customers during negotiations, underwriting calls, and structuring conversations, Builder mindset: comfortable operating in a high-growth environment where process, tooling, and infrastructure are still being defined, Cross-functional fluency: experience working alongside Sales, Legal, Product, and Engineering, Able to translate credit requirements into language that lands across teams
Nice to Have
Exposure to regulated lending or institutional credit frameworks is a plus, Familiarity with credit file standards, lending policy documentation, and examination-ready governance practices is helpful as Mercury approaches bank charter
What You'll Do.
Underwrite loan application independently
Analyze quantitative and qualitative data across ecommerce
and propose loan terms
Own the customer-facing deal motion
Lead diligence calls with prospective borrowers
Co-pilot active negotiations with AEs
Provide real-time eligibility and structuring guidance
Support the sales team on complex or competitive applications from first touch through close
Monitor portfolio health
Support ongoing covenant monitoring
and portfolio review processes
Contribute to monthly portfolio reviews with early warning signal identification
Contribute to credit standards
Support drafting and refinement of underwriting guidelines
risk rating frameworks
and policy documentation
Work cross-functionally
and Data Science to improve the underwriting process
and credit infrastructure
How You'll Work.
Team & Collaboration
Partner with sales and product teams to innovate the go to market process, underwriting, and portfolio management needs; Partner with Sales, Product, Engineering, and Data Science to improve the underwriting process, customer experience, and credit infrastructure; Cross-functional fluency: experience working alongside Sales, Legal, Product, and Engineering; Able to translate credit requirements into language that lands across teams
Communication Scope
customer-facing deal motion; Lead diligence calls with prospective borrowers; co-pilot active negotiations; provide real-time eligibility and structuring guidance; support the sales team on complex or competitive applications; Able to translate credit requirements into language that lands across teams
Full Job Description
The word ‘credit’ is derived from the latin verb meaning, “one believes”. Underwriting is not merely a science of risk scoring and algorithms, but also an art of unearthing hidden variables, and of subtle pattern recognition; bridging the gap between that of real and perceived risk. The established lending frameworks shun the intrepid entrepreneur, deeming them too risky, and lacking certain credibility. Fortunate for them, Mercury provides banking* for these ambitious startups, and they are in need of believers. As a Senior Credit Underwriter, you will be joining a team of lending experts with experience spanning unsecured cards to secured commercial credit. You will help shape our Working Capital loan product designed for eCommerce, software and managed services companies with a vision to extend to all small businesses. You will work directly with prospective borrowers to assess creditworthiness and structure creative lending solutions to support their growth. You will also partner with sales and product teams to innovate the go to market process, underwriting, and portfolio management needs of the rapidly scaling loan program. *Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. _____________________________________________________________________________________ As part of the journey, we would expect you to: Underwrite loan application independently: Analyze quantitative and qualitative data across ecommerce, SaaS, and SMB borrowers. Structure, price, and propose loan terms that balance repayment capacity and Mercury’s risk posture. Own the customer-facing deal motion: Lead diligence calls with prospective borrowers, co-pilot active negotiations with AEs, provide real-time eligibility and structuring guidance, and support the sales team on complex or competitive applications from first touch through close. Monitor portfolio health: Support ongoing covenant monitoring, de
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