The opportunity
Toast creates technology to help restaurants and local businesses succeed in a digital world, helping business owners operate, increase sales, engage customers, and keep employees happy.
What you'll do
Review financial statements (P&L, balance sheet, cash flow) to evaluate the: creditworthiness of counterparties in retail sector
Calculate and interpret key ratios such as leverage, liquidity, and coverage to assess financial risk
Write clear, concise credit memos with risk assessments and approval recommendations
Determine reserve levels and set exposure limits based on the financial profile and risk tolerance
Monitor counterparties for changes in financial health, operating metrics, or market signals
Research and analyze existing debt obligations using public records, credit reports, or proprietary tools
What they're looking for
- Bachelor's degree in Finance, Accounting, Economics, Data Science, or a related field; CFA or CPA a plus
- + years of experience in credit underwriting for counterparty risk, financial: analysis, risk management, with a focus on SMBs preferred
- Strong foundation in financial modeling and credit ratio analysis
- Proficiency in querying and analyzing data using SQL, Python, and platforms like Hex and Snowflake
- Experience working with BI tools such as Looker, Tableau, or similar
- Demonstrated ability to make independent, data-backed underwriting decisions
