Credit Analyst

This position is located in Leawood, Kansas.

C2FO is looking for a Credit Analyst to assist our WFC Fund team by analyzing the risks associated with extending credit to commercial borrowers. This person must be resourceful, efficient, driven and sharp. We are looking for a candidate who is excellent with both written and verbal communication. This person needs to be effective at gathering, managing and organizing information. Ideally, we are looking for someone who has had some experience with credit in prior employment.

C2FO is a young, rapidly-growing financial technology firm that provides working capital solutions to businesses across the globe. Over the last few years, we have proven our approach and experienced tremendous growth. The WFC Fund is a wholly-owned subsidiary of C2FO. WFC is an investment fund that provides short-term working capital loans to businesses. The Credit Analyst position is a unique opportunity to gain experience with both commercial lending and the operations of an investment fund.

Position Description

The Credit Analyst will be responsible for assisting the Chief Risk Officer in lending decisions and portfolio management. Prior experience in credit support is strongly desired, but ultimately we need a sharp, motivated individual who wants to join our growing team. A majority of duties will be to research, analyze and identify risks associated with extending credit.

This position will also be responsible for developing processes and reporting for credit delivery and monitoring. Ideally, this person has advanced skills with MS Office products (Excel, Outlook, PowerPoint, in particular) and has utilized CRM databases before (Salesforce is a plus).

Primary Duties & Responsibilities

  • Assesses the credit risk and financial strength of new and existing borrowers
  • Prepares financial statement spreads, trend analysis, and ratio analysis to assess cash flow
  • Provides recommendations to management on credit limits and pricing
  • Monitors performance of existing portfolio
  • Assigns appropriate risk score to new and existing loans
  • Reviews loans that have become delinquent and modifies when appropriate
  • Collaborates with borrowers on collections of bad debt resolution
  • Builds and sustains professional relationships with both internal and external customers
  • Develops portfolio reporting dashboards

Skills, Knowledge & Abilities

  • Bachelor’s Degree in Business, Accounting or Finance
  • Minimum of 2 years of credit and/or financial analysis experience
  • Ability to think critically and solve problems
  • Excellent written and verbal communication
  • Ability to prioritize in a fast-paced environment
  • Ability to work cross-functionally
  • Ability to manage time and prioritize
  • Tolerance to take calculated risks
  • Emotional intelligence

Salary and Benefits

  • This is a full-time, salaried, non-exempt position
  • The position includes generous health benefits and a strong 401(k) plan with a matching component
  • We also offer unlimited time off and the opportunity to earn equity in the company