Senior Credit Operations Analyst - Loan Operations

When Florence Nightingale arrived at the British Army hospital in Scutari in 1854, soldiers were dying at ten times the rate of battlefield casualties, not from wounds but from a total breakdown in operations. There were no reliable records, no supply controls, no sanitation standards, and no documented processes. She built all of it: independent supply chains, laundry and kitchen operations, patient tracking systems, and evidence-based documentation she later used to drive reforms before a Royal Commission. The mortality rate fell from over 40% to 2%. Her work did not just save lives at Scutari. It created modern nursing, reshaped hospital design worldwide, and proved that reliable outcomes require reliable systems. That is the kind of operator we are looking for at Mercury. Mercury is a financial technology company building banking products for ambitious businesses. We have grown from a startup banking* platform to a company that manages tens of billions in deposits, and now we are taking the next step: pursuing a de novo bank charter to become a full-fledged bank. As we transition from fintech to a regulated institution, we are building a full commercial lending operation from the ground up. The documentation this person writes, the controls they design, and the evidence they build will be reviewed by bank regulators as part of Mercury's formal examination process. We need [... source excerpt omitted ...] ry's lending program grows. *Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. What you will do Own loan booking, quality control, disbursements, payoffs, lien tracking, and reconciliation, establishing single-point ownership over activities currently distributed across multiple teams Design and implement a formal quality control function between underwriting approval and loan booking, establishing a control layer that scales with Mercury's credit products and regulatory obligations Build scalable, bank-grade workflows for each stage of the loan servicing lifecycle Design operation [... source excerpt omitted ...] – you have stood something up from scratch before and you are drawn to that kind of work, not daunted by it Precise – small errors in loan servicing cascade into audit findings, customer impact, and regulatory exposure. You know that, and you operate accordingly A systems thinker – you trace a workflow from intake to general ledger and spot where it will break before it does Resourceful – you use AI tools to draft, automate, and scale your output, and you treat new tools as leverage, not overhead Collaborative – you step into gaps and work with a team-first mentality, even when you own a function independently What we are looking for Ideal candidates will have 5+ years of