About Us:
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!
The Opportunity:
eCapital is seeking an exceptionally talented and highly motivated Credit Manager in credit risk management. As a Manager in Credit, your goal is to ensure that execution of our underwriting processes runs smoothly and efficiently for our working capital products. This is a role that requires strong communication, time management, and teamwork. You will manage key underwriting work streams for new and existing clients to identify and control risk. You’ll engage closely with our Risk and Operations, GTM, Customer Experience and Engineering/Product teams to contribute to organizational goals.
Most importantly, we’re looking for people who are enthusiastic and driven with a desire to learn.
Key Responsibilities:
- Assess the credit quality of our business clients, prospects and other counterparties
- Gather and analyze financial documents to underwrite business clients
- Structure new credit opportunities and ensure strong legal documentation and security
- Lead operational client setup and new account deal flow
- Conduct ongoing risk reviews and portfolio monitoring
- Contribute to the ongoing learning and success of the team and the company by sharing knowledge through mentorship, collaboration
- Reconciliation and communicating with clients or partners on payment matters
- Supporting legal, security and other collateral related activities
Qualifications:
- Bachelor’s degree in finance, accounting, economics, statistics or similar discipline
- 3-6 years of relevant work experience in fundamental credit analysis; FinTech experience is a plus
- Excited about credit and underwriting decisions on commercial exposures to small and medium enterprises
- Experience underwriting commercial credit and performing in-depth analysis on financial statements and other data
- Experience working in supply chain finance or invoice financing preferred
- Ability to communicate and defend credit opinions both written and orally, including to audiences with a non-financial background
- Knowledge of public agency ratings and other capital markets signals from public debt and equity securities
- Knowledge of credit models and commercial bureaus
- Must be a self-starter and proactive person who takes initiative
- Organized and highly detail oriented
- Ability to organize effectively, plan and execute multiple tasks
- Some data query/BI technical skills or aptitude to learn e.g. SQL, Tableau, Power BI
We Bring:
- $80,000 - $100,000 Annually
- Annual Bonus Incentives
- PTO
- Health, Dental, and Life Benefits
- 401(K) Matching
- Abundant professional development opportunities at a growing and thriving Fintech 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.
