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Senior Credit Analyst at Parker | New York City

ParkerNYC Head Office
On-site Full-time

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Experience Level

Senior

Qualifications

What You’ll Do:Evaluate business credit applications with exposure limits ranging from $50K to over $5M. Analyze various financial statements, including income statements, balance sheets, cash flow statements, bank transaction data, and real-time business performance metrics. Assess qualitative factors such as industry trends, business model risks, and the backgrounds of founders/operators. Recommend credit decisions (approve, decline, or modify) with supporting rationale, and structure terms as needed (e.g., limits, tenor, collateral). Collaborate with the Sales team during customer discussions and in structuring complex or higher-risk deals. Monitor portfolio health and aid in the review of at-risk accounts or proposed limit increases. Contribute to the evolution of Parker’s credit policies, frameworks, and decision-making models. Act as a mentor and escalation point for junior credit and risk analysts. What We’re Looking For:5+ years of experience in credit analysis, ideally within SMB, middle market, or fintech lending. Strong understanding of financial analysis and credit risk assessment. Excellent analytical and problem-solving skills. Ability to work collaboratively with cross-functional teams. Proficiency in relevant analytical software and tools.

About the job

About The Role:

At Parker, our mission is both straightforward and ambitious: to empower a greater number of individuals to achieve financial independence. We believe that equipping independent business owners with the right financial tools is key to scaling their success sustainably.

Our flagship product merges a virtual corporate card featuring dynamic spending limits with software tools designed to enhance profitability—enabling eCommerce merchants to accelerate growth while maintaining control over their financial margins.

To date, we have successfully raised over $180 million in equity and debt from top-tier investors including Valar Ventures, Y Combinator, SVB, as well as distinguished founders like Solomon Hykes (Docker), Paul Buchheit (Gmail), Paul Graham (Y Combinator), and Robert Leshner (Compound). As a Series B fintech company, we are rapidly scaling and experiencing strong product-market fit with increasing demand.

In your role as a Senior Credit Analyst at Parker, you will conduct comprehensive credit evaluations for businesses applying for our credit products. This involves leveraging financial analysis, pattern recognition, and sound judgment to make critical credit decisions. You will collaborate closely with our Risk, Sales, and Product teams to ensure we are approving suitable customers with appropriate structures while safely expanding our credit portfolio.

About Parker

Parker is a forward-thinking fintech company dedicated to fostering financial independence for entrepreneurs. By providing them innovative financial products and tools, we aim to support their growth and success in a competitive market.

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