Mercury - Senior Credit Underwriting Analyst

• 5+ years of credit or underwriting experience in Fintech, SMB, or commercial lending, with meaningful customer-facing experience • Strong credit fundamentals: financial statement analysis, risk rating, cash flow assessment, and identification of structural mitigants across diverse business models. • Direct deal experience: has been in the room with customers during negotiations, underwriting calls, and structuring conversations — not just behind the analysis. • Builder mindset: comfortable operating in a high-growth environment where process, tooling, and infrastructure are still being defined. • Cross-functional fluency: experience working alongside Sales, Legal, Product, and Engineering. Able to translate credit requirements into language that lands across teams. • Exposure to regulated lending or institutional credit frameworks is a plus. Familiarity with credit file standards, lending policy documentation, and examination-ready governance practices is helpful as Mercury approaches bank charter, not a hard requirement. • The total rewards package at Mercury includes base salary, equity (stock options), and benefits. • Our salary and equity ranges are highly competitive within the SaaS and fintech industry and are updated regularly using the most reliable compensation survey data for our industry. New hire offers are made based on a candidate’s experience, expertise, geographic location, and internal pay equity relative to peers. • Our target new hire base salary ranges for this role are the following: • US employees located in New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $142,900 - $160,700 • US employees located outside of New York City, Los Angeles, Seattle or the San Francisco Bay Area: $128,600 - $144,600 • Canadian employees (any location): CAD $135,000 - $151,900