Credit Research Analyst

Credit Research Analyst (27845)# Credit Research Analyst (27845)
Hot JobCLT - Charlotte, NC 28246

Start Date   09/29/2026## Overview Level Entry Position  Type Full Time## Description#
** Credit Research Analyst
***
* Location:

** Charlotte, NC (Hybrid, on-site)
** Team:
** Credit & Pricing
*
* Reports to:

** Senior Manager, Credit Risk
** Level:
** 1–5 years of experience
** PLEASE READ BEFORE APPLYING**###
** WORK AUTHORIZATION
**** Sunlight Financial does not provide immigration or visa sponsorship for this or any position, now or at any point in the future. We do not sponsor, transfer, or extend any visa status, and we do not participate in training programs that require employer enrollment, certification, or reporting.
**** Applicants must be authorized to work in the United States for any employer, without sponsorship, on an ongoing and indefinite basis.
**** Work authorization that is time-limited, tied to a school or training program, or that would require sponsorship or an employer-supported extension to continue does not meet this requirement, regardless of how much time remains on it. If that describes your situation, this role is not a fit and we ask that you not apply.
**** Applicants will be asked to confirm this at the time of application. Sunlight verifies work authorization for all employees as required by federal law.**###
** LOCATION
* *** This role is based in our Charlotte, NC office on a hybrid schedule. We are not able to offer a fully remote arrangement.
** If you are not currently in the Charlotte area, you will need to be relocated and ready to work on-site in a reasonable timeframe.
** APPLICATION INSTRUCTIONS
** To be considered for this position, please include the exact job title, "Credit Research Analyst” in
** red font
** at the very top of your resume. Applications that do not include this requirement may not be considered.##
** About Sunlight Financial
** Sunlight Financial is a technology-enabled, point-of-sale financing platform that empowers residential home improvement contractors and their customers. Our platform streamlines consumer finance with fast, frictionless loan approvals and funding, backed by a broad network of capital providers. We are committed to delivering smart, secure, and scalable financial solutions that drive growth and trust across the industry.

Learn more at  
** About the Role
** The Credit & Pricing team decides who Sunlight lends to, on what terms, and at what price. The Credit Research Analyst is the person who turns that work into evidence. You will build and own the data that drives credit policy decisions, the pipelines that feed them, the reporting that monitors them, and the analysis that tests whether a policy is doing what we thought it would.

This is a small team working on ambiguous problems, so the role is hands-on and the ownership is real. You will be handed a question, a database, and the expectation that you come back with an answer you can defend.##
** What You’ll Own**
* ** Definite, our analytics platform.
** You will own it, including the performance and investor tape refreshes that our company depends on.
* ** Credit and portfolio reporting.
** Build and maintain the recurring reporting the team, our lenders, and our investors rely on, and be accountable for it being right.
* ** Data pipelines.
** Design, automate, and monitor the Python workflows that move and transform credit and loan performance data.
* ** Credit research and ad hoc analysis.
** Answer questions from Credit, Finance, Underwriting, Capital Markets, and Product with analysis that is timely, well structured, and holds up to scrutiny.
* ** Data quality and documentation.
** Maintain the definitions, standards, and documentation that keep our credit data trustworthy as…