Credit Analyst – Due Diligence Analyst

Rewards Network

Due Diligence Analyst conducting risk assessment and underwriting for financial products at Rewards Network. Collaborating with sales teams to assess merchant creditworthiness and ensure compliance with company guidelines.

Posted 7/26/2026full-timeChicago • Illinois • 🇺🇸 United StatesJuniorMid-Level💰 $28 - $36 per hourWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates strong analytical skills and problem-solving abilities to evaluate merchant creditworthiness and risk profiles. Proficient in financial data analysis and compliance documentation, with experience in underwriting and collaboration with sales teams.

Highest-signal resume keywords

Financial Data AnalysisUnderwriting ExperienceRisk AssessmentIntermediate MS Excel SkillsExcellent Communication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Report AnalysisBusiness Financial Statement ReviewBank Statement AnalysisCredit Card Statement AnalysisApproval Amount CalculationContract Package ReviewDue Diligence Documentation

Soft Skills

Analytical SkillsProblem-Solving SkillsSelf-MotivatedStrong Work Ethic

Tools & Technologies

SalesforceDatabase ApplicationsSpreadsheet Applications

Industry Keywords

Merchant Cash AdvanceLoan UnderwritingComplianceCreditworthiness

About the role

Key responsibilities & impact

Conduct detailed reviews to evaluate merchants for the cash advance product line in accordance with company guidelines.
Analyze financial data, including credit reports, business financial statements, bank statements, and credit card statements to inform underwriting decisions.
Assess risk profiles and determine creditworthiness while calculating appropriate approval amounts for each case.
Authorize funding approvals within assigned policy limits or provide recommendations for policy exceptions when necessary.
Review contract packages to verify accuracy, ensure completeness, and confirm legal compliance.
Collaborate with sales teams and cross-functional internal departments to align risk assessments with business objectives.
Maintain thorough documentation of due diligence findings and underwriting decisions for compliance and future reference.

Requirements

What you’ll need

Strong analytical and problem-solving skills with ability to think outside the box
Self-motivated and strong work ethic with the ability to proactively solve problems and make independent decisions
Proficiency using database and spreadsheet applications while completing data entry accurately and efficiently (Intermediate MS Excel skills required)
Salesforce experience a plus
Excellent communication skills, both written and verbal, required to articulate recommendations to various levels of management and negotiate terms with field sales when needed.
High School Diploma or Equivalency
At least 2-3 years of directly related job experience
College Degree in Finance, Economics, Business, or related field preferred
Experience in merchant cash advance or loan underwriting preferred

Benefits

Comp & perks

Comprehensive benefits package, which includes:
Competitive Paid Time Off and company holidays
Generous dining reimbursement when you dine with our restaurant clients
401(k) plan with a company match
Two medical plan options- Standard PPO or High Deductible Health Plan (HSA with company match for HDHP participants)
Partnership with Rx n Go, offering certain prescriptions for free
Two dental plan options and a vision plan
Flexible Spending Accounts and a pre-tax commuter benefit program
Accident, Critical Illness, and Hospital Indemnity Insurance Plans
Short Term and Long Term disability
Company-paid life insurance and AD&D insurance, supplemental employee, spouse, and child life insurance
Employee Life Assistance Program
Hybrid working space in our state of the art office downtown located by the Metra and Ogilvie train stations
Catered lunches provided on Tuesday's in our Chicago office