Credit Analyst

Job Title: Credit AnalystLocation: Fort Lauderdale, FL (In-Office)Salary Range: $60,000 – $80,000, plus commission

About LoanBud

LoanBud is a rapidly expanding fintech focused on supporting small businesses through innovative financing solutions. Our mission is to empower small-business owners by providing streamlined access to capital through SBA and other small-business loans. We foster a culture of growth, teamwork, and dedication to the entrepreneurial spirit.

Position Overview

We're hiring a Credit Analyst to evaluate and prequalify SBA 7(a) transactions, compile complete lender-ready packages, and submit files for underwriting. You will analyze cash flow, build DSCR calculations, collect and track documents, and collaborate with buyers, sellers, brokers, and lenders to move deals efficiently from inquiry to approval. Prior M&A or business-brokerage experience is a plus.

Key Responsibilities

• Deal Screening and Prequalification:Review listings and buyer scenarios for SBA 7(a) eligibility; assess structure, DSCR, working capital, and debt capacity; flag issues and propose mitigants.
• Credit Analysis: Build pro forma P&Ls, cash-flow statements, debt schedules, and sensitivity cases; evaluate add-backs, owner compensation, and collateral; summarize strengths, risks, and conditions.
• Packaging and Submission: Assemble complete loan packages and lender forms; draft concise credit write-ups; submit to lenders and manage follow-ups through screening and underwriting.
• Document Collection: Own checklists and timelines for financials, tax returns, bank statements, personal financial statements, purchase agreements, and related materials; drive stakeholder responses.
• Stakeholder Coordination: Communicate with internal teams, buyers, sellers, and brokers; schedule calls; track milestones; keep CRM/LOS records current and accurate.
• Process Improvement: Standardize templates and Excel tools; suggest automation to speed analysis and packaging.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, or related field (or equivalent experience).
• 1–3+ years in credit analysis, underwriting support, corporate finance, investment banking, or business brokerage; SBA 7(a) exposure preferred.
• Strong cash-flow analysis skills with command of DSCR and debt-capacity concepts.
• High proficiency in Excel (financial modeling, pivot tables, lookups) and comfort working with PDFs and statements.
• Clear written and verbal communication; highly organized, detail-oriented, and deadline-driven.
• Nice to have: prior M&A or quality-of-earnings experience; familiarity with tax returns and common add-backs.

Location

The position is office-based in Fort Lauderdale, supporting our collaborative and interactive company culture.

Compensation & Benefits

• Compensation: Base salary $60k – $80k plus commission.
• Comprehensive health, dental, and vision insurance.
• Generous paid time off to support work‑life balance.
• Competitive 401(k) plan with substantial company matching.

Application Process

Interested candidates are invited to submit a detailed résumé and a compelling cover letter that explains their suitability for the role and their motivation to join LoanBud.

LoanBud is dedicated to creating a diverse and inclusive work environment. We are an equal‑opportunity employer and welcome applications from all qualified candidates.

Be Part of Our Growth Story

Join LoanBud and help more entrepreneurs close on great businesses. Your analysis will directly accelerate approvals and unlock capital for small-business owners nationwide—apply today and help shape the future of how small businesses access SBA financing.