Credit Analyst III - Fintech & BaaS Focus

Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri.  Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate.

We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity.

Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever-shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do. 

Role Description: We are looking for a Credit Analyst III with a background in fintech, embedded finance, and/or Banking-as-a-Service (Baas). In this role, you will take on a key responsibility in preparing credit submissions, reviews, scorecards, and underwriting for larger, more complex loans and BaaS credit portfolios, requiring minimal revisions. You will also lead team projects, including risk mitigation strategies, portfolio stress testing, board reporting, and initiatives to improve the portfolio. As a mentor, you will guide and develop less experienced credit analysts, helping them grow their skills. Additionally, you will work closely with internal teams to identify areas for improvement and provide valuable training recommendations. The ideal candidate will be eager to take on leadership responsibilities, contribute to a fast-paced and evolving environment, and continuously drive improvements within the team and organization.

In this role you will:

• Independently prepares credit submissions and portfolio reviews for larger and more complex loans and BaaS partnerships, with minimal revisions required
• Leads team projects, such as risk mitigation strategies, portfolio stress testing, board reporting, and portfolio improvement initiatives
• Mentor and develop department staff
• Identifies areas for improvement within the team and suggests training recommendations
• Assist in the management of audits and regulatory exams
• Fulfill any external, internal, and regulatory audit requests
• Serve as department champion for system application programs used, such as Microsoft Office, Sageworks, Business Analytics, Google Workspace, Asana, and/or other system applications
• Work with the Credit Team as needed for administrative assistance and projects
• Ensure completion and accuracy of department-assigned responsibilities
• Demonstrate a mindset that appropriately balances operational excellence and continuous improvement
• Assist in oversight of department operations, including ownership of assigned processes, and suggesting improvements
• Perform all other duties as assigned

Qualifications:

• 6+ years of experience in credit analysis, underwriting, or related areas
• Prior experience working with fintech, embedded finance, or BaaS is strongly preferred
• Bachelor’s degree in finance, accounting, or economics (or equivalent experience)
• Experience working in a deadline-oriented, fast-paced environment is strongly preferred 
• Strong judgment, instincts, attention to detail, and analytical skills
• Strong organizational skills with experience in managing multiple time-sensitive projects simultaneously 
• Strong verbal and written communication skills
• Experience in people management preferred, but not required
• Thrive working in a fluid environment with high autonomy
• Love to collaborate to get to the best, most efficient outcome
• Bring a self-driven and self-starter mentality to your work
• Analytical mindset; able to complete standard and ad-hoc requests; backup support for colleagues
• Have experience evaluating credit risk in non-traditional or tech-enabled business models
• Understand the nuances of fintech and BaaS risk profiles

What we offer:

• At Lead, we design our benefits to support company culture and principles, to foster an efficient and inspiring work environment, and to create the conditions for our team to give their best in both work and life
• Competitive compensation based on experience, geographic location, and role
• Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA
• Paid parental leave
• Flexible vacation policy, including PTO and paid holidays
• A fun and challenging team environment in a dynamic industry with ample opportunities for career growth 

*Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

*Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

*Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

*Pursuant to the Los Angeles County Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

**Our compensation reflects the cost of labor across several US geographic markets. Pay is based on a number of factors and may vary depending on geographical market location, job-related knowledge, skills, and experience. These ranges may be modified in the future.

Zone 1: $137,630 - $167,143 (SF/Bay Area, NYC, Seattle)

Zone 2: $102,441 - $126,500 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento, Miami)

Zone 3: $90,850 - $115,000 (Other US Metros)

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