Lending Specialist

1 month ago


San Francisco, California, United States Mercury Full time

About the Role:

Mercury is seeking a skilled Credit Underwriter to join our team of lending experts. As a Credit Underwriter, you will play a critical role in shaping our new working capital loan product designed for eCommerce companies and small businesses.

Key Responsibilities:

  • Analyze financial data and credit reports to assess creditworthiness and structure creative lending solutions.
  • Work directly with prospective borrowers to understand their financial needs and develop tailored loan proposals.
  • Partner with sales and product teams to innovate the go-to-market process, underwriting, and portfolio management needs of our rapidly scaling loan program.
  • Monitor the ongoing repayment risk of existing loans, restructure delinquencies, and collect on past due accounts.
  • Collaborate with cross-functional teams to improve the customer experience and refine credit policy, processes, and procedures.

Requirements:

  • 2+ years of experience with financial analysis and interpreting financial performance or assessing risk exposure.
  • Understanding and excitement for working directly with founders and executives from early-stage startups and e-commerce companies.
  • Ability to dig into numbers and derive meaningful insights and action.
  • Eye for detail and analytical mindset.
  • Bachelor's degree in accounting, finance, or a related field is a plus.

What We Offer:

  • Competitive base salary and equity (stock options).
  • Benefits package.

Target Salary Ranges:

  • US employees located in New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $121,800 - $180,000.
  • US employees located outside of New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $109,500 - $160,000.
  • Canadian employees (any location): CAD 110,900 - CAD 160,000.


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