Credit Analyst
Full Time • New York
Benefits:
- 401(k)
- 401(k) matching
- Bonus based on performance
- Company parties
- Dental insurance
- Health insurance
- Paid time off
- Training & development
- Vision insurance
Job Title: Credit Analyst
Location: New York City, NY (In-Office)
Salary Range: $60,000 – $80,000, plus commission
Location: New York City, NY (In-Office)
Salary Range: $60,000 – $80,000, plus commission
About LoanBud
LoanBud is a rapidly expanding fintech focused on supporting small businesses through innovative financing solutions. Our mission is to empower small-business owners by providing streamlined access to capital through SBA and other small-business loans. We foster a culture of growth, teamwork, and dedication to the entrepreneurial spirit.
Position Overview
We’re hiring a Credit Analyst to evaluate and prequalify SBA 7(a) transactions, compile complete lender-ready packages, and submit files for underwriting. You will analyze cash flow, build DSCR calculations, collect and track documents, and collaborate with buyers, sellers, brokers, and lenders to move deals efficiently from inquiry to approval. Prior M&A or business-brokerage experience is a plus.
Key Responsibilities
- Deal Screening and Prequalification: Review listings and buyer scenarios for SBA 7(a) eligibility; assess structure, DSCR, working capital, and debt capacity; flag issues and propose mitigants.
- Credit Analysis: Build pro forma P&Ls, cash-flow statements, debt schedules, and sensitivity cases; evaluate add-backs, owner compensation, and collateral; summarize strengths, risks, and conditions.
- Packaging and Submission: Assemble complete loan packages and lender forms; draft concise credit write-ups; submit to lenders and manage follow-ups through screening and underwriting.
- Document Collection: Own checklists and timelines for financials, tax returns, bank statements, personal financial statements, purchase agreements, and related materials; drive stakeholder responses.
- Stakeholder Coordination: Communicate with internal teams, buyers, sellers, and brokers; schedule calls; track milestones; keep CRM/LOS records current and accurate.
- Process Improvement: Standardize templates and Excel tools; suggest automation to speed analysis and packaging.
Requirements
- Bachelor’s degree in Finance, Accounting, Economics, or related field (or equivalent experience).
- 1–3+ years in credit analysis, underwriting support, corporate finance, investment banking, or business brokerage; SBA 7(a) exposure preferred.
- Strong cash-flow analysis skills with command of DSCR and debt-capacity concepts.
- High proficiency in Excel (financial modeling, pivot tables, lookups) and comfort working with PDFs and statements.
- Clear written and verbal communication; highly organized, detail-oriented, and deadline-driven.
- Nice to have: prior M&A or quality-of-earnings experience; familiarity with tax returns and common add-backs.
Location
The position is office-based in New York City, supporting our collaborative and interactive company culture.
Compensation & Benefits
- Compensation: Base salary $60k – $80k plus commission.
- Comprehensive health, dental, and vision insurance.
- Generous paid time off to support work‑life balance.
- Competitive 401(k) plan with substantial company matching.
Application Process
Interested candidates are invited to submit a detailed résumé and a compelling cover letter that explains their suitability for the role and their motivation to join LoanBud.
LoanBud is dedicated to creating a diverse and inclusive work environment. We are an equal‑opportunity employer and welcome applications from all qualified candidates.
Be Part of Our Growth Story
Join LoanBud and help more entrepreneurs close on great businesses. Your analysis will directly accelerate approvals and unlock capital for small-business owners nationwide—apply today and help shape the future of how small businesses access SBA financing.
Compensation: $60,000.00 - $80,000.00 per year
Our Mission is to Empower and Grow Small Businesses
At LoanBud, we believe small businesses are the backbone of the economy, and we exist to empower entrepreneurs by simplifying access to SBA capital so they can achieve their dreams. By partnering with an extensive network of SBA lenders, we offer a wide credit box that opens doors for more business owners—even those turned away by traditional banks. Our streamlined digital application and expert guidance help entrepreneurs navigate what can otherwise be a complex financing process.
Whether you’re looking to acquire a business, invest in owner-occupied commercial real estate, or secure working capital, LoanBud’s digital marketplace connects you to the right SBA loan solution. We measure success by the real-world impact on growing businesses—so you can focus on building the future you envision, knowing you have a trusted partner in your corner.
By combining technology with dedicated support, we strive to empower entrepreneurs so they can focus on growing their businesses and making a meaningful impact on their communities. Let us handle the complexities of SBA financing, connecting you with the right lenders and solutions, so you can do what you do best: building something remarkable.
Careers
LoanBud is continuing to grow, and we have an exciting opportunities for the right candidate to join a great team. Join us in the pursuit of our mission to help small businesses get the financing they need to succeed, and enjoy a career filled with professional growth opportunities, team-oriented colleagues, and the satisfaction of supporting small businesses.
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