At Flexport, we believe global trade can move the human race forward. That's why it's our mission to make global commerce so easy there will be more of it. We're shaping the future of a $10T industry with solutions powered by innovative technology and exceptional people. Today, companies of all sizes—from emerging brands to Fortune 500s—use Flexport technology to move more than $19B of merchandise across 112 countries a year.
The recent global supply chain crisis has put Flexport center stage as we continue to play a pivotal role in how goods move around the world. We are proud to have the support of the best investors in the game who believe in our mission, solutions and people. Ready to tackle global challenges that impact business, society, and the environment? Come join us.
The Opportunity:As a Capital Credit Senior Associate, Underwriting and Portfolio Management, you will play a pivotal role in Flexport Capital's portfolio management strategy. This is a hybrid role sitting at the intersection of hands-on credit stewardship and data-driven innovation. You won't just analyze high-level trends; you will actively manage the monthly financial review process, lead diligence on flagged accounts, and own the operational compliance stack. You will be the first line of defense in monitoring portfolio health while simultaneously building the tools and dashboards that make that monitoring scalable.
You Will:Lead Portfolio Reviews & Diligence: Manage the monthly financial review process for the entire customer base. You will direct Associate support for data gathering, but you will be responsible for the analysis, knowing exactly what red flags to look for in financial statements.Conduct Active Risk Management: Identify deteriorating credits or anomalies and immediately trigger deeper reviews. You will prepare for and lead diligence calls with borrowers to investigate issues and determine necessary actions.Prepare Credit Modifications: Evaluate requests from Business Development for line increases, term adjustments, or other modifications. You will be responsible for writing the loan modification templates/memos and providing the credit diligence and justification for your recommendations.Own Compliance & Operations: oversee and improve our KYB/KYC, UCC lien filing, and lien management processes. You will ensure strict compliance and proactively suggest new vendors, products, or process improvements to streamline operations.Build & Maintain Analytics: Design portfolio monitoring dashboards that aggregate credit, collateral, and operational data. You will continue to use tools (SQL, Python, Looker) to automate data ingestion and anomaly detection.Analyze Trends: Monitor borrower and portfolio trends—including CRR migration, LGD, DSO, and exposure concentration—to inform repricing or mitigation strategies.Drive Process Improvement: Continuously improve internal reporting and data quality, ensuring our tools serve as a reliable "single pane of glass" for portfolio risk visibility. You will use the available low-code and analytical tools (using SQL, Python, Airtable, Looker, or Power Automate) to automate data ingestion, anomaly detection, and risk flag generation.You Should Have:3–7 years of experience in commercial lending, credit risk, or portfolio management (Asset-Based Lending or Working Capital experience is highly preferred).Hands-on Credit Experience: You have experience manually reviewing financial statements, identifying risk factors, and writing credit memos or loan modification justifications. You are comfortable getting on the phone with a CFO to ask hard questions.Operational Knowledge: Familiarity with the mechanics of lending operations, including KYB/KYC regulations, UCC lien perfection, and compliance management.Technical Proficiency: Proven experience leveraging data analytics tools (SQL, Power BI, Tableau, Looker) to analyze portfolios.Low-Code/Automation Skills: Working knowledge of tools like Power Automate, Airtable, or Zapier to build scalable processes is a strong plus.Communication Skills: Excellent verbal and written communication skills to articulate credit rationale to the Risk Committee and partner effectively with BD and Ops.Education: Bachelor's degree in Finance, Business, Data Analytics, or a related field (MBA or CFA is a plus).Why Flexport:You'll be joining Flexport Capital, a high-velocity fintech unit operating with the agility of a startup and the data advantage of a global logistics leader. This is a hands-on environment for builders, not just observers. You won't just monitor algorithms, you'll be in the trenches of deal structuring, operational compliance, and borrower diligence, actively shaping how we lend and recover. You will play a direct role in fusing traditional credit discipline with next-gen analytics, driving our mission to scale asset-based lending while keeping losses under 1.5%. If you're ready to roll up your sleeves and own the outcome, you belong here.
Commitment to Equal OpportunityAt Flexport, our ability to fulfill our mission of making global commerce easy and accessible relies on having a diverse, dedicated and engaged workforce. All qualified applicants will receive consideration for employment regardless of race, color, religion, sex, national origin, age, physical and mental disability, health status, marital and family status, sexual orientation, gender identity and expression, military and veteran status, and any other characteristic protected by applicable law.
Global Data Privacy Notice for Job Candidates and ApplicantsDepending on your location, the General Data Protection Regulation (GDPR) and California Consumer Privacy Act (CCPA) may regulate the way we manage the data of job applicants. By submitting your application, you are agreeing to our use and processing of your data as required. Please see our Privacy Notice available at www.flexport.com/privacy for additional information.
Read LessAt Flexport, we believe global trade can move the human race forward. That's why it's our mission to make global commerce so easy there will be more of it. We're shaping the future of a $10T industry with solutions powered by innovative technology and exceptional people. Today, companies of all sizes—from emerging brands to Fortune 500s—use Flexport technology to move more than $19B of merchandise across 112 countries a year.
The recent global supply chain crisis has put Flexport center stage as we continue to play a pivotal role in how goods move around the world. We are proud to have the support of the best investors in the game who believe in our mission, solutions and people. Ready to tackle global challenges that impact business, society, and the environment? Come join us.
The OpportunityAs a Capital Credit Manager, Underwriting and Portfolio Management, you will be a core member of Flexport Capital's credit team, managing a large book of 40–60+ accounts spanning SMB, mid-market and enterprise borrowers. You will independently underwrite IF, LF, Term Loan and ABL deals. You will help drive the management of distressed credits and workouts, design policies and SOPs for new products, as well as architect the analytical frameworks that drive portfolio monitoring. This is a hands-on role where you own the full credit lifecycle, from underwriting through ongoing portfolio monitoring and client communication. You'll help drive process improvements, and contribute to our risk scoring model development, all while building deeper expertise in Flexport's freight, fulfillment and customs operations.
You Will• Own a Large, Complex Portfolio: Manage 40–60+ accounts with topline revenues up to ~$75M and credit limits up to $5M. You will handle accounts across the CRR spectrum, including credits showing early signs of distress that require proactive intervention and creative deal restructuring.
• Underwrite Deals Independently: Handle IF/LF, Term Loan and ABL underwriting end- to-end. Design covenants, milestone-based step-ups, and restructure proposed deals to match credit's risk appetite.
• Resolve Complex Credit Problems: Interpret ambiguous financials, seasonal revenue swings, multi-entity structures, improving-but-weak trajectories, and exercise judgment in recommending policy exceptions with clear risk/reward framing. Identify when a deal structure won't work and reconstruct it proactively before it reaches the Investment Committee.
• Lead Client Diligence & Communication: Run diligence calls with CFOs and controllers of SMB and smaller mid-market companies. Push back on BD submissions with data and facts. Present credit recommendations to the Investment Committee with guidance from the Head of Credit. Own the end-to-end credit relationship with your clients.
• Drive Process Improvements: Develop systematic improvements to credit operations —redesigning BD and UW workflows to reduce friction, establishing lien filing optimization, and creating monitoring spot-check systems. Lead projects beyond individual account management that make the entire team more effective.
• Contribute to Credit Analytics & CRR Development: Contribute to CRR model development including financial ratio calibration and risk weight tuning. Design and maintain portfolio monitoring dashboards, and help build automations for repetitive credit operations.
• Manage Compliance & Lien Operations: Independently manage UCC filings, amendments, and lien perfection across US and international jurisdictions. Lead quarterly lien audit and security review processes. Ensure portfolio-wide compliance with BlackRock facility covenants and eligibility criteria, and drive expansion of secured coverage.
• 5–7 years of experience in commercial lending, credit risk, or portfolio management. Trade finance, working capital, or inventory financing experience is highly preferred.
• Independent Underwriting Capability: You can independently underwrite IF/LF and Term Loan facilities end-to-end. You understand advance rates, covenant design, borrowing base fundamentals, lien priority, and UCC filing procedures. Proficiency in ABL fundamentals is a strong plus.
• Credit Judgment & Problem Solving: Demonstrated ability to interpret ambiguous financials, recommend policy exceptions with clear risk/reward framing, and proactively restructure deals that don't make credit sense. You don't just flag problems—you come with solutions.
• CRR & Risk Model Awareness: You understand why automated credit risk rating outputs sometimes diverge from qualitative reality and can propose specific recalibration adjustments such as financial ratio breakdowns and chart tuning.
• Client-Facing Confidence: Comfortable leading diligence calls with CFOs and controllers, pushing back on BD submissions with data, and presenting credit recommendations to the Investment Committee.
• Technical & Analytical Skills: SQL proficiency (complex queries, analytical views). Python for analysis scripts, financial modeling, and portfolio reporting is a strong plus. Experience with Looker, GSheets dashboards, or automation tools (Parabola, Airtable, n8n) preferred.
• Mentorship & Collaboration: Proven ability to guide junior analysts on credit approach and technical questions. You are a team player who makes colleagues better and can coordinate effectively with Legal, BD, and Operations.
• Education: Bachelor's degree in Finance, Business, Economics, or a related field. MBA, CFA, or FRM is a plus.
At Flexport, our ability to fulfill our mission of making global commerce easy and accessible relies on having a diverse, dedicated and engaged workforce. All qualified applicants will receive consideration for employment regardless of race, color, religion, sex, national origin, age, physical and mental disability, health status, marital and family status, sexual orientation, gender identity and expression, military and veteran status, and any other characteristic protected by applicable law.
Global Data Privacy Notice for Job Candidates and ApplicantsDepending on your location, the General Data Protection Regulation (GDPR) and California Consumer Privacy Act (CCPA) may regulate the way we manage the data of job applicants. By submitting your application, you are agreeing to our use and processing of your data as required. Please see our Privacy Notice available at www.flexport.com/privacy for additional information.
Read Less