Description
As a Capital Credit Senior Associate, Underwriting and Portfolio Management, you will play a pivotal role in Flexport Capital's portfolio management strategy. This is a hybrid role sitting at the intersection of hands-on credit stewardship and data-driven innovation.
You will manage the monthly financial review process for the entire customer base, directing associate support for data gathering, but being responsible for the analysis, knowing exactly what red flags to look for in financial statements.
You will identify deteriorating credits or anomalies and immediately trigger deeper reviews, preparing for and leading diligence calls with borrowers to investigate issues and determine necessary actions.
You will evaluate requests from Business Development for line increases, term adjustments, or other modifications, responsible for writing the loan modification templates/memos and providing the credit diligence and justification for your recommendations.
You will oversee and improve our KYB/KYC, UCC lien filing, and lien management processes, ensuring strict compliance and proactively suggesting new vendors, products, or process improvements to streamline operations.
You will design portfolio monitoring dashboards that aggregate credit, collateral, and operational data, continuing to use tools (SQL, Python, Looker) to automate data ingestion and anomaly detection.
You will monitor borrower and portfolio trends, including CRR migration, LGD, DSO, and exposure concentration, to inform repricing or mitigation strategies.
You will continuously improve internal reporting and data quality, ensuring our tools serve as a reliable 'single pane of glass' for portfolio risk visibility, using 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 3-7 years of experience in commercial lending, credit risk, or portfolio management, with hands-on credit experience, operational knowledge, technical proficiency, low-code/automation skills, and excellent communication skills.