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Credit Analyst

As one of the world’s most versatile investment firms, Premium Merchant Funding finances and supplies small business products & services to thousands of clients throughout the US, Canada and the UK. Our leadership position allows us, and requires us, to constantly innovate to stay on top and deliver for our clients.
The Credit Analyst Program offers you the opportunity to gain hands-on experience across this exciting, innovative landscape to learn what it takes to extend capital to a growing business, or provide needed financing to a company undergoing financial challenges. With the full support and resources of Premium Merchant Funding, you’ll have what you need to succeed – from training and mentorship from senior leaders to engagement on challenging projects that use all your skills. We are looking for out-of-the box thinkers to help us drive our future client solutions.

Job Responsibilities:

  • Spread and analyze clients’ historical financial performance
  • Create detailed models to project clients’ future cash flows and credit ratios
  • Gather and analyze trends in qualitative and quantitative data
  • Analyze deal structures
  • Prepare and present credit recommendations
  • Compile data through due diligence and prepare comprehensive credit reviews that analyze transactions and client risks
  • Prepare deal documentation and client presentations
  • Monitoring market conditions to determine how various changes may impact client investments and taxes
  • Developing in-depth knowledge of our financial products to advise clients accordingly
  • Suggesting viable solutions to improve clients' financial statuses

What to expect

This 2 year program kicks off with an orientation and training session, led by our top professionals and expert instructors. Our team members and mentors will help you navigate the firm and continue to learn about our businesses. You will have a chance to take a deep dive into an area of business within Credit. Access to senior management and a strong network of peers will promote ongoing professional development throughout your career. 

About You

If you've got initiative and the vision to come up with strategies and plans, then this is the role for you.
You’ll make an impact by:

  • Beginning to learn how we work with thousands of clients across several countries to support financing and small business needs
  • Identifying opportunities to leverage emerging technologies to meet client needs
  • Exposure to product and client coverage teams
  • Being part of creating innovative ideas to transform the Credit landscape
  • Working under the guidance of mentors and a supportive team
  • Networking with industry leaders, accessing best-in-class training and learning how all our businesses work together to provide excellent customer service

Key skills include:

  • Exceptional analytical, research and project management skills
  • Familiarity with business fundamentals
  • Ability to quickly solve problems on your own and with a team
  • Enthusiasm, energy and a drive to succeed
  • A collaborative mindset and willingness to partner and work on a team
  • Fluency in English
  • Attend college/university in the U.S.
  • All majors eligible to apply
  • Minimum preferred cumulative GPA of 3.0 on a 4.0 scale
  • Authorization to work permanently in the U.S.  
  • To be eligible for this program, you must be authorized to work in the U.S.

Join us

At Premium Merchant Funding, we’re creating positive change for the diverse communities we serve. We do this by championing your innovative ideas through a supportive culture that helps you every step of the way as you build your career. If you’re passionate, curious and ready to make an impact, we’re looking for you.

Help us learn about you by submitting a complete and thoughtful application, which includes your resume. Your application and resume is a way for us to initially get to know you, so it’s important to complete all relevant application questions so we have as much information about you as possible.
Apply by either After you confirm your application, we will review it to determine whether you meet certain required qualifications. 

Premium Merchant Funding is committed to creating an inclusive work environment that respects all people for their unique skills, backgrounds and professional experiences. We strive to hire qualified, diverse candidates, and we will provide reasonable accommodations for known disabilities.

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About Us

Premium Merchant Funding & Co., is an industry leader in the financial products and services that we offer to small businesses. We provide strategic advice, raise capital, manage risk and extend liquidity in markets around the world.

We were founded in New York City, where our corporate headquarters remain on Wall Street, in 2014 and today we are a leader in Credit, distressed debt, EIDLs, Purchase Order Financing, Factoring, Merchant Cash Advance, Lines of Credit, SBA Term Loans, Bridge Loans, Equipment Financing, consumer and small business banking and Real Estate Financing.

Premium Merchant Funding values each and every client, and offers financial tools education, credit card processing, personal and business credit enhancement, payroll and benefits services and Employee Retention Tax Credits consultations. We help businesses find the best option, regardless of bad credit or financial issues. Premium Merchant Funding values hard work, transparency, and has a strong work culture.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as any mental health or physical disability needs.

The health and safety of our colleagues, candidates, clients and communities has been a top priority in light of the COVID-19 pandemic. As a part of our commitment to health and safety, we have implemented various COVID-related health and safety requirements for our workforce.
Premium Merchant Funding & Co. is an equal opportunity and affirmative action employer Disability/Veteran