Sr Credit Analyst, Capital Portfolio Analytics
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Job Location:
Dallas, IA - USA
Monthly Salary:
Not Disclosed
Posted on:
12 days ago
Vacancies:
1 Vacancy
Job Summary
About Flexport:
At Flexport we believe global trade can move the human race forward. Thats why its our mission to make global commerce so easy there will be more of it. Were shaping the future of a $10T industry with solutions powered by innovative technology and exceptional people. Today companies of all sizesfrom emerging brands to Fortune 500suse Flexport technology to move more than $19B of merchandise across 112 countries a year.
The recent global supply chain crisis has put Flexport center stage as we continue to play a pivotal role in how goods move around the world. We are proud to have the support of the best investors in the game who believe in our mission solutions and people. Ready to tackle global challenges that impact business society and the environment Come join us.
The Opportunity:
As a Senior Credit Analyst Portfolio Analytics you will play a pivotal role in Flexport Capitals portfolio management strategy. This is a hybrid role sitting at the intersection of hands-on credit stewardship and data-driven innovation. You wont just analyze high-level trends; you will actively manage the monthly financial review process lead diligence on flagged accounts and own the operational compliance stack. You will be the first line of defense in monitoring portfolio health while simultaneously building the tools and dashboards that make that monitoring scalable.
You Will:
- Lead Portfolio Reviews & Diligence: Manage the monthly financial review process for the entire customer base. You will direct Associate support for data gathering but you will be responsible for the analysis knowing exactly what red flags to look for in financial statements.
- Conduct Active Risk Management: Identify deteriorating credits or anomalies and immediately trigger deeper reviews. You will prepare for and lead diligence calls with borrowers to investigate issues and determine necessary actions.
- Prepare Credit Modifications: Evaluate requests from Business Development for line increases term adjustments or other modifications. You will be responsible for writing the loan modification templates/memos and providing the credit diligence and justification for your recommendations.
- Own Compliance & Operations: oversee and improve our KYB/KYC UCC lien filing and lien management processes. You will ensure strict compliance and proactively suggest new vendors products or process improvements to streamline operations.
- Build & Maintain Analytics: Design portfolio monitoring dashboards that aggregate credit collateral and operational data. You will continue to use tools (SQL Python Looker) to automate data ingestion and anomaly detection.
- Analyze Trends: Monitor borrower and portfolio trendsincluding CRR migration LGD DSO and exposure concentrationto inform repricing or mitigation strategies.
- Drive Process Improvement: Continuously improve internal reporting and data quality ensuring our tools serve as a reliable single pane of glass for portfolio risk visibility. You will use the available low-code and analytical tools (using SQL Python Airtable Looker or Power Automate) to automate data ingestion anomaly detection and risk flag generation.
You Should Have:
- 37 years of experience in commercial lending credit risk or portfolio management (Asset-Based Lending or Working Capital experience is highly preferred).
- Hands-on Credit Experience: You have experience manually reviewing financial statements identifying risk factors and writing credit memos or loan modification justifications. You are comfortable getting on the phone with a CFO to ask hard questions.
- Operational Knowledge: Familiarity with the mechanics of lending operations including KYB/KYC regulations UCC lien perfection and compliance management.
- Technical Proficiency: Proven experience leveraging data analytics tools (SQL Power BI Tableau Looker) to analyze portfolios.
- Low-Code/Automation Skills: Working knowledge of tools like Power Automate Airtable or Zapier to build scalable processes is a strong plus.
- Communication Skills: Excellent verbal and written communication skills to articulate credit rationale to the Risk Committee and partner effectively with BD and Ops.
- Education: Bachelors degree in Finance Business Data Analytics or a related field (MBA or CFA is a plus).
Why Flexport:
Youll be joining Flexport Capital a high-velocity fintech unit operating with the agility of a startup and the data advantage of a global logistics leader. This is a hands-on environment for builders not just observers. You wont just monitor algorithms youll be in the trenches of deal structuring operational compliance and borrower diligence actively shaping how we lend and recover. You will play a direct role in fusing traditional credit discipline with next-gen analytics driving our mission to scale asset-based lending while keeping losses under 1.5%. If youre ready to roll up your sleeves and own the outcome you belong here.
Commitment to Equal Opportunity
At Flexport our ability to fulfill our mission of making global commerce easy and accessible relies on having a diverse dedicated and engaged workforce. All qualified applicants will receive consideration for employment regardless of race color religion sex national origin age physical and mental disability health status marital and family status sexual orientation gender identity and expression military and veteran status and any other characteristic protected by applicable law.
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Depending on your location the General Data Protection Regulation (GDPR) and California Consumer Privacy Act (CCPA) may regulate the way we manage the data of job submitting your application you are agreeing to our use and processing of your data as required. Please see our Privacy Notice available at additional information.
Required Experience:
Senior IC
Key Skills
- Financial Statement Preparation
- Credit Analysis
- Cash Flow Analysis
- Math
- Banking
- Analysis Skills
- UCC Law
- Underwriting
- Financial Analysis
- Financial Modeling
- Financial Report Interpretation
- Word Processing
About Company
Cut costs, automate workflows, reliably move goods, go carbon-neutral, and improve your supply chain from end to end. It all starts here.
