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    Credit Risk Analyst - New York, United States - Constrafor

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    Description

    Constrafor is a SaaS and fintech platform purpose-built for construction. We are setting new standards of productivity and cost-efficiency for the way General Contractors and Subcontractors manage procurement & financial transactions. With over $18 million of VC financing, we are forging the path for construction innovation. Join us on our mission to advance the largest industry in the world.

    We are looking for a talented Credit Risk Analyst to join our exceptional Credit Risk team. In this role, you will play a key role in evaluating the backgrounds of Constrafor's customers to determine their eligibility for our exciting Early Pay Program. The ideal candidate will be responsible for assessing and underwriting our subcontractor clients and their counterparties, ensuring the performance and health of our portfolio. You will collaborate closely with the entire team to ensure successful execution of our Credit business strategy. This is an opportunity to truly make a significant impact in a high growth company.

    Key Responsibilities:

    • Evaluate creditworthiness of new and existing contractor businesses that are looking to participate in our Early Pay Program.
    • Perform due diligence using both internal and external datasets and prepare underwriting files on potential customers.
    • Analyze financial statements, bank statements, credit reports, and other relevant documents to assess risk.
    • Maintain strong working knowledge of the company's credit policies and procedures and identify exceptions to policy with potential resolutions.
    • Incorporate existing credit scoring models and methodologies to enhance risk assessment processes.
    • Monitor credit portfolios and identify potential risks and emerging trends.
    • Collaborate with internal teams, including servicing, account management, and sales to ensure a transparent and efficient underwriting process.
    Qualifications:
    • 2-4 years of experience in commercial underwriting or credit risk analysis
    • Bachelor's degree in Finance, Economics, Accounting, or a related field.
    • Strong analytical skills with high attention to detail and accuracy.
    • Familiarity with PACER, NYSCEF, UCCs, or Dun & Bradstreet, is a plus.
    • Ability to manage a growing portfolio without sacrificing the integrity of our credit risk guidelines.
    • Ability to work independently and collaboratively in a fast-paced environment.
    • Possess the drive and curiosity needed to work in a lean team and a fast-paced, highly productive entrepreneurial environment.
    • Ability to communicate effectively and continuously with team members and external parties.
    • Experience working in a startup is a plus.
    What We Offer:
    • Compensation Range: $85,000-95,000
    • Equity ownership within Constrafor.
    • Medical, dental & vision insurance coverage offered for you and your dependents.
    • Generous PTO Plan.
    • A collaborative and innovative work culture that values your input.
    • Opportunity to make a significant impact in a growing tech company.
    • Hybrid Schedule out of our beautiful Hudson Yards office.
    Constrafor is proud to be an Equal Opportunity and Affirmative Action employer. We do not discriminate based upon race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local law.

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