Who We Are: 
We are on a mission to provide innovative working capital solutions to small and medium size businesses throughout the United States, Canada, and the United Kingdom. A steady cash flow can change the course of a business and help a company define its future, promote growth, and impact the bottom line! As a leading provider of innovative funding solutions for small to medium sized businesses, we are one of the fastest growing companies in the industry. Through our Commercial Finance, Freight Factoring and ABL divisions, eCapital offers capital solutions to 80+ industries. We truly love to help our clients grow and this is a position where you can grow too! 

Job Title: Credit Analyst
Reports To: Director, ABL Operations

Summary:
The Credit Analyst is responsible for analyzing financial health and faciliating lending activcities for a portfolio of borrowers. This includes analyzing borrower operating and financial information, preparing client borrowing files, identifying risks and presenting findings. This role works closely with Portfolio Managers and other Credit Analysts.

Responsibilities:

• Perform thorough analysis of borrower financial condition, including real time data aggregation, review of compliance with loan covenants, performing trend analysis, and assessing quality of reporting.
• Prepare and analyze recurring (daily, weekly, etc.) funding request documents. This process requires use of advanced Excel tools and loan system software.
• Prepare and analyze monthly financial workbooks updates including data aggregation, mapping of new data sources, roll forward, accounts receivable aging, census reporting, tracking collections and sales trends. This requires use of advanced Excel tools and loan system software.
• Report to Portfolio Managers findings that may indicate new or emerging risks with potentially adverse effect on loan collateral or borrower ability to repay the loan.
• Ensure all credit files are complete, identify any documentation deficiencies, work with Portfolio Operations and Legal to address any deficiencies, and maintain ownership for borrower portfolio shared drive file management.
• Maintain the loan system for portfolio borrowers, ensuring real time updates to client service guides  and verifying accuracy of data captured in the system.
• Communicating with client regarding monthly, quarterly, and annual reporting requirements.
• Perform borrower specific loan administration tasks on an as needed basis, such as facilitating completion of legal documentation processes, review of news feeds, lien searches, obtaining insurance certificates, reviewing certificates of good standing. This process includes administrative tasks.
• Perform portfolio wide administrative tasks on an as needed basis such as updating loan systems with daily collections, advances, end of day closings, and portfolio reconciliation.
• Maintain a strong working knowledge of eCapital operating policies and procedures and identify potential exceptions.
• Other duties as assigned by supervisor

Qualifications:

• Bachelor’s degree, preferably in finance, accounting, or other business-related fields.
• 1–2 years prior experience with loan administration preferred though not required.
• Strong Proficiency in Microsoft Excel including advanced formulas and macros.
• Self-motivated and able to produce high quality, timely results independently. 
• Adaptable with strong multi-tasking skills and ability to remain composed under pressure.
• Organized and efficient with strong attention to detail ensuring accuracy in every task performed including error detection and following through on corrective action. 

We Bring:

• $65,000 Annually
• Annual Bonus
• PTO
• Health, Dental, and Life Benefits
• 401K Matching
• Abundant professional development opportunities at a growing and thriving alternative Finance company! 

eCapital Culture:
At eCapital, we're not just a funding provider—we're a strategic partner built for what's next. Our culture is defined by innovation, scalability, and personalized service. We value:

• Agility: We adapt quickly to changing market conditions and customer needs.
• Relationships: We put our clients' needs at the center of everything we do, and we believe the best results come from diverse teams working together.
• Accountability: We hold ourselves to the highest standards in all aspects of our work.
• Innovation: We constantly push boundaries to create better solutions for our clients.

We offer a dynamic work environment where you'll have the opportunity to make a significant impact on our business and the SMBs we serve. Join us in revolutionizing how businesses access and manage capital in the digital age.

eCapital values diverse experiences and backgrounds. We encourage all qualified candidates to apply, regardless of race, color, religion, gender, sexual orientation, national origin, genetics, disability, age, or veteran status.

AI Statement
eCapital uses AI-enabled tools within our applicant tracking system to support resume screening by comparing qualifications to job requirements. Final hiring decisions and resume reviews are always conducted by our recruiters.

Vacancy Type: Addition