PatientFi

Credit Analyst

PatientFi

full-time

Posted on:

Location Type: Remote

Location: California • United States

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Salary

💰 $60,000 - $90,000 per year

About the role

  • Analyze Consumer Credit Risks: Review and underwrite unsecured consumer loan applications through our provider network to find opportunities to increase approval rates and credit limits while minimizing losses.
  • Technical Capabilities: Solid understanding time series analysis, consumer credit behavior, and statistical concepts.
  • Portfolio Evaluation: Monitor the performance of our loan portfolio, identifying early delinquency trends and assisting in the preparation of monthly and quarterly credit risk evaluations.
  • Organizational Collaboration: Work with the Data Science and other teams within PatientFi to collaborate on new initiatives, deploy new credit changes and find portfolio improvements.
  • Policy & Compliance: Ensure all underwriting decisions strictly adhere to PatientFi’s internal credit policies as well as applicable state and federal regulations (i.e. FCRA, ECOA/Reg B, UDAAP, TILA/Reg Z).

Requirements

  • 1–3 years of experience in consumer credit underwriting, risk analysis, or a related financial services role
  • Bachelor’s degree in Finance, Economics, Statistics, or a related quantitative field
  • Understanding loan mechanics, origination quality and credit performance analytics
  • Proficiency in Google and/or Microsoft business suite (Sheets/Excel/PPT)
  • Familiarity with key US consumer lending regulations, including the Fair Credit Reporting Act (FCRA) and the Equal Credit Opportunity Act (ECOA)
Benefits
  • Remote Work
  • Medical, dental, and vision premiums covered at 80% for employees and dependents
  • Unlimited PTO
  • 401(k)
  • Parental leave
  • AD&D policy provided at no cost to employees
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
time series analysisconsumer credit behaviorstatistical conceptscredit risk evaluationloan mechanicsorigination qualitycredit performance analytics
Soft Skills
organizational collaboration