Credit Analyst

*PLEASE READ BEFORE APPLYING*

FundCanna will not be reviewing nor considering applications that come from OUTSIDE of the Greater San Diego Area. If you ARE local to San Diego, and we are interested in your application, you will hear from our HR team. Otherwise, if there is no contact made, please be advised that we have passed on your application. We wish each candidate all the best!

Job Description

This individual will diligently research, validate, and manage crucial customer application and credit data to ensure prompt and accurate processing, assessment and decision-making for customer credit applications. Attention to detail and organizational skills are paramount, as this role is integral to the credit review process and appropriate credit decisions. Cultivating partnerships with internal sales and funding teams is essential. Assigned tasks will often present moderate challenges, necessitating patience, diligence, sound judgment and effective decision-making abilities. To be successful in this role, you must have both strong data skills/analytical acumen and excellent verbal and written communications skills as these are required to effectively present and convey logic as part of a cross functional team.

Essential Duties and Responsibilities

• Manage and update Salesforce.com CRM system, ensuring seamless data flow and comprehensive data/notes associated with applicants/clients.
• Collaborate closely with colleagues including Processors, Senior Analysts, VPs of Underwriting and Sales enriching your knowledge and expertise.
• Arrive at appropriate risk management levels through meticulous cash flow analyses and comprehensive credit data evaluations.
• Identify and size opportunities by assessing credit strength, analyzing financials, reviewing corporate structures and other credit/corporate parameters .
• Conduct thorough due diligence, examining financial statements, credit profiles, tax returns, and compliance validation for cannabis business applicants.
• Uphold the highest standards of compliance and policy adherence, fostering trust and reliability with both our company and bank partners.
• Contribute to seamless collaboration across internal departments, ensuring smooth transaction closures and effective communication.
• Engage with prospective and existing clients, verifying information and building lasting professional relationships.

Education and Experience

· Bachelor’s Degree preferred in Business, Finance, or a related field;

· or a minimum of 3+ Years of experience in a related role within the financial services sector including underwriting or credit analysis.

Skills and Abilities

• Sharp mathematical acumen and an eye for detail, crucial for deciphering intricate client files.
• Proficiency in financial analysis, with the ability to interpret financial statements and tax returns to drive informed decision-making.
• Demonstrated critical thinking and problem-solving skills, enabling you to make sound decisions within defined parameters.
• Thrive in a fast-paced, deadline-driven environment, where your adaptability and resilience shine.
• Stellar communication skills, both verbal and written, essential for building rapport with internal stakeholders.
• Maintain confidentiality and exercise solid judgment in all tasks, contributing to a culture of trust and integrity.
• Proven time management and organizational skills, adept at multitasking and prioritizing effectively.
• Align with our company culture of hard work, accountability, and enthusiasm for the business.
• Experience with Salesforce.com, our system of record.

Requirements

· To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Employee Benefits

FundCanna offers medical, dental, vision, and life insurance to all employees. We also offer a 401K retirement plan all employees are eligible to contribute to.

Equal Opportunity Employer Statement

FundCanna is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. FundCanna is also committed to providing reasonable accommodations to employees with disabilities. FundCanna complies with the Americans with Disabilities Act and all other applicable federal, state, and local laws regarding disability discrimination and accommodation.

Job Type: Full-time

Pay: $70,000.00 - $80,000.00 per year

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Retirement plan
• Vision insurance

Schedule:

• 8 hour shift
• Monday to Friday

Application Question(s):

• Are you currently residing in the Greater San Diego Area?

Language:

• English (Required)

Ability to Commute:

• Solana Beach, CA (Required)

Work Location: In person