Credit Underwriting Analyst

Credit Underwriting Analyst

The word 'credit' is derived from the latin verb meaning, "one believes". Underwriting is not merely a science of risk scoring and algorithms, but also an art of unearthing hidden variables, and of subtle pattern recognition; bridging the gap between that of real and perceived risk. The established lending frameworks shun the intrepid entrepreneur, deeming them too risky, and lacking certain credibility. Fortunate for them, Mercury provides banking

• for these ambitious startups, and they are in need of believers.

As a Credit Underwriter, you will be joining a team of lending experts with experience spanning unsecured cards to secured commercial credit. You will help shape our Working Capital loan product designed for eCommerce companies with a vision to extend to all small businesses. You will work directly with prospective borrowers to assess creditworthiness and structure creative lending solutions to support their growth. You will also partner with sales and product teams to innovate the go to market process, underwriting, and portfolio management needs of the rapidly scaling loan program.

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As part of the journey, we would expect you to :

Some things that might make you successful in a role like this :

The total rewards package at Mercury includes base salary, equity (stock options), and benefits.

Our salary and equity ranges are highly competitive within the SaaS and fintech industry and are updated regularly using the most reliable compensation survey data for our industry. New hire offers are made based on a candidate's experience, expertise, geographic location, and internal pay equity relative to peers.

Our target new hire base salary ranges for this role are the following :

Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer. All individuals seeking employment at Mercury are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic. We are committed to providing reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs.