Junior Credit Analyst
Calyptus
Job Overview
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Job Description
Junior Credit Analyst
The Junior Credit Analyst is a key member of the credit team. The role works closely with experienced underwriters and the Chief Risk Officer, gaining exposure to real credit decisions while helping support the quality and performance of our loan portfolio. This position is designed for candidates early in their careers who are eager to build hands-on experience in credit analysis, financial review, and risk assessment within a fast-growing fintech lending platform.
Why This Role Matters
Junior Credit Analysts help ensure that every loan originated meets our credit and risk standards. In this role, the Junior Credit Analyst contributes to important credit decisions while learning how financial data, borrower behavior, and risk policy come together in real-world lending.This is a strong opportunity for someone looking to start a career in credit, underwriting, or risk management.
What You’ll Do
- Review borrower credit reports and assist with background checks and public record searches, including liens, judgments, bankruptcies, and UCC filings.
- Assist in analyzing financial documents such as bank statements, profit & loss statements, balance sheets, and tax returns to help assess cash flow and credit risk.
- Support senior analysts on credit reviews and complex cases.
- Learn and apply our credit policies, procedures, and risk guidelines.
- Prepare credit summaries and memos for internal review and approval.
What We’re Looking For
- Bachelor’s degree in finance, accounting, economics, business administration, or a related field
- Proficiency in Microsoft Excel (formulas, filters, basic functions)
- Strong interest in credit analysis, lending, and financial risk
- High attention to detail and willingness to learn
- Clear written and verbal communication skills
- Ability to stay organized and meet deadlines in a fast-paced environment
Key skills/competency
- Junior Credit Analyst
- Credit Analysis
- Financial Review
- Risk Assessment
- Loan Portfolio
- Fintech Lending
- Underwriting
- Risk Management
- Financial Documents
- Microsoft Excel
How to Get Hired at Calyptus
- Tailor your resume: Highlight your Bachelor's degree in a relevant field and your proficiency in Microsoft Excel. Emphasize any experience or strong interest in credit analysis, lending, or financial risk.
- Craft a compelling cover letter: Express your eagerness to learn and contribute to a fast-growing fintech lending platform. Clearly state your understanding of the Junior Credit Analyst role and how your skills align with the responsibilities.
- Prepare for the AI screening: Be ready to answer questions about your qualifications and interest in credit analysis. Understand that Calyptus uses an automated assessment tool.
- Demonstrate attention to detail: In your application and any subsequent interviews, showcase your organizational skills and ability to meet deadlines in a fast-paced environment.
- Research Calyptus: Understand their mission as a fintech lending platform and their focus on credit quality and risk assessment.
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