Top Credit Analyst Jobs in Boston, MA

Performs price verification, benchmark analysis, and fair value adjustments for credit and structured product portfolios. Monitors valuation risks with Trading, Middle Office, Finance, and Model Risk teams; analyzes markets, P&L, and daily risk drivers; and enhances independent pricing controls, coverage, and valuation tools.

Own diligence and underwriting for institutional counterparties, recommend internal credit ratings and risk-based limits, monitor portfolio exposures, analyze asset volatility/liquidity for limit-setting, negotiate industry documentation, and collaborate with cross-functional teams to resolve complex client or product issues.

The Staff Credit Policy Analyst leads the development and governance of credit policies for home loans, ensuring compliance and operational efficiency while collaborating with leadership and cross-functional teams.

Review condominium and cooperative housing projects for eligibility under investor, regulatory, and lending guidelines. Analyze HOA financials, insurance, legal, inspection, and safety documents; apply Fannie/Freddie/FHA/VA/portfolio requirements; make approval decisions, maintain records, and communicate outcomes to underwriting, sales, operations, and risk partners.

Lead credit functions for contract logistics and freight forwarding. Develop and implement credit policies and controls. Manage customer credit applications: review creditworthiness, set/approve credit limits and payment terms, and support credit controls implementation.

Lead coverage of how AI infrastructure is financed by analyzing lenders, structures, collateral, and credit risk. Build quantitative models, proprietary datasets, stress scenarios, and publish flagship research for investors, regulators, and industry stakeholders.

Perform pre- and post-funding quality control audits of FHA and VA mortgage loans, identify defects, fraud red flags, and trends, communicate findings to production offices and management, support special audits and regulatory responses, and maintain compliance with internal controls and agency guidelines.

Own mortgage applications from initial scenario through settlement. Assess borrowing capacity, serviceability, credit profiles, liabilities, income, documentation, lender policies, and loan structures. Select suitable lenders, prepare submissions, manage conditions and milestones, coordinate with brokers and lenders, maintain accurate CRM records, and identify credit or compliance risks. The role requires independent management of multiple complex lending files, including PAYG and self-employed scenarios.

Evaluate new and existing B2B customer credit profiles by reviewing credit reports, financial statements, and trade references; make complex credit decisions, negotiate terms, manage custom orders and records, monitor/report on accounts, mentor analyst team members, communicate findings to customers and internal teams, and ensure compliance with company policies.

Review commercial loan writeups (C&I, Real Estate, Specialty) for accuracy, validate financial analyses and assumptions, identify errors or missing information, evaluate property and cash-flow analyses, recommend edits and mitigants, and ensure compliance with bank and loan policies.

Analyze credit policy, approval rates, vintage performance, and portfolio metrics to inform credit strategy. Monitor model/scorecard performance, run tradeoff and scenario analyses, support pricing/term decisions, and produce recurring portfolio reporting and dashboards. Collaborate with collections, fraud, finance, and tech on reporting, model validation, and decisioning platform improvements.

Analyze credit risk for loss-sensitive insurance programs by producing account, prospect, and industry credit reports; make credit and collateral recommendations; collaborate with underwriting, brokers, and clients; conduct market and industry research; support process improvements and system evaluations; participate in client presentations and industry events.

Review and underwrite indirect auto loan and lease applications within guidelines, communicate with credit unions and dealers, collect documentation, process and send loan packages for funding, monitor dealer productivity, support fraud detection and process improvements, and maintain SLAs across varied hours (7:00am–9:00pm MST).

Support GMOs Emerging Debt team by performing corporate credit analysis across 300+ EM names. Maintain financial models, assess sovereign linkages, conduct due diligence, produce credit write-ups and presentations, and collaborate within a small investment team to inform portfolio decisions.

Lead portfolio analytics and monitoring for small and medium business lending using SQL, SAS, and Python. Produce recurring and ad hoc reports, deliver data-driven recommendations to influence credit policy and strategy, and present findings to stakeholders. Manage analytics projects end-to-end while improving reporting processes and supporting risk governance.

Design, implement, and manage partner and end-customer financing solutions across North America. Interface with commercial teams, financial institutions, and corporate finance to structure deals, present financing scenarios, manage program lifecycle, monitor portfolio risk and performance, ensure compliance, and support sales through training and commercial negotiations to drive partner growth and revenue.

Lead loss mitigation, predictive collections, and loss forecasting (CECL) for consumer lending. Build data models and contact strategies, align conversational operations, manage credit loss budgets, vendor selection, and present risk insights to executive stakeholders.

Lead design and execution of loss mitigation, predictive collections, and CECL loss forecasting. Build data models and contact strategies, align conversational operations, manage credit loss budgeting, and evaluate third-party vendors to maximize recoveries and protect the balance sheet.

Design and own loss mitigation, predictive collections, and CECL loss forecasting. Partner with Operations to implement conversational contact strategies (WhatsApp/SMS), build propensity-to-pay and recovery models, manage credit loss budgeting and capacity planning, and evaluate/onboard third-party collections vendors and software to protect capital and optimize recoveries.

Lead loss mitigation, forecasting, and collections strategy for consumer lending. Build CECL-based loss forecasts, predictive propensity-to-pay models, automated contact strategies (WhatsApp/omnichannel), manage credit loss budgets, and evaluate third-party recovery vendors while presenting impacts to executive leadership.

Develop and test credit and fraud strategies using data, machine learning, and advanced analytics. Design A/B tests, analyze portfolio performance, identify trends, and partner with Data Science, Product, and Engineering to implement and validate risk decisions. Communicate findings and conduct ad-hoc analyses to optimize marketplace credit outcomes.

Lead credit analytics for the Send Now Pay Later product: build and own valuation and vintage models, manage credit policies, monitor portfolio health and NPL trends, integrate ML scorecards, and evaluate alternative data to optimize approvals and loss performance.

Lead credit analytics for the Send Now Pay Later product: build and maintain credit policies, valuation and NPV models, vintage analysis, executive reporting, model integration and testing, and alternative data integration to optimize approval rates and portfolio health.

Lead credit analytics for the Send Now Pay Later product: own portfolio health reporting, NPL trends, valuation and NPV models, vintage analysis, credit policy design, monitoring, model integration and testing, and alternative data exploration to optimize approval rates and loss performance.

Lead credit analytics for the Send Now Pay Later product: build and maintain credit policies, valuation and NPV models, vintage analysis, portfolio surveillance, executive reporting, model integration/testing, and alternative data exploration to optimize approval rates and manage portfolio risk.