Credit Analyst at Rewards Network

Chicago, Illinois, United States

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Services, Restaurant TechnologyIndustries

Requirements

Strong analytical and problem-solving skills with ability to think outside the box
Self-motivated and strong work ethic with the ability to proactively solve problems and make independent decisions
Proficiency using database and spreadsheet applications while completing data entry accurately and efficiently (Intermediate MS Excel skills required)
Salesforce experience a plus
Excellent communication skills, both written and verbal, required to articulate recommendations to various levels of management and negotiate terms with field sales when needed
High School Diploma or Equivalency
At least 2-3 years of directly related job experience
College Degree in Finance, Economics, Business, or related field preferred
Experience in merchant cash advance or loan underwriting preferred

Responsibilities

Conduct detailed reviews to evaluate merchants for the cash advance product line in accordance with company guidelines
Analyze financial data, including credit reports, business financial statements, bank statements, and credit card statements to inform underwriting decisions
Assess risk profiles and determine creditworthiness while calculating appropriate approval amounts for each case
Authorize funding approvals within assigned policy limits or provide recommendations for policy exceptions when necessary
Review contract packages to verify accuracy, ensure completeness, and confirm legal compliance
Collaborate with sales teams and cross-functional internal departments to align risk assessments with business objectives
Maintain thorough documentation of due diligence findings and underwriting decisions for compliance and future reference

Skills

credit analysis

financial analysis

underwriting

due diligence

risk assessment

financial data analysis

creditworthiness assessment

Rewards Network

Promotes restaurants through loyalty programs

About Rewards Network

Rewards Network helps restaurants attract full-price customers through promotional programs linked to major loyalty programs. Diners earn rewards for eating at participating restaurants, which encourages them to pay full price instead of using discounts. The company operates on a pay-for-performance model, charging restaurants based on sales generated from these loyalty program participants. Rewards Network also provides flexible funding options and valuable data insights to help restaurant owners make informed decisions and grow their businesses.

Los Angeles, CaliforniaHeadquarters

1984Year Founded

ACQUISITIONCompany Stage

Food & Agriculture, Data & AnalyticsIndustries

501-1,000Employees

Benefits

Paid Vacation

401(k) Company Match

401(k) Retirement Plan

Health Insurance

Dental Insurance

Vision Insurance

Health Savings Account/Flexible Spending Account

Disability Insurance

Life Insurance

Hybrid Work Options

Risks

Rising restaurant bankruptcies may reduce potential clients for Rewards Network.

Competitive pressure from revamped loyalty programs like Domino's challenges Rewards Network.

Self-service technology adoption could challenge Rewards Network's traditional engagement model.

Differentiation

Rewards Network offers unique Dining Credits for upfront capital to restaurants.

The company partners with 24 national brands to reach over 20 million consumers.

Rewards Network provides data-driven insights and verified reviews for strategic restaurant positioning.

Upsides

Increased AI adoption in restaurants enhances customer service and operational efficiency.

Partnerships with loyalty programs drive full-price customer visits and sales growth.

Investments in data analytics improve agility and client service offerings.

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