Commercial Risk Analyst Underwriting

We are a rapidly growing company that s revolutionizing the way the restaurant industry does business by pairing technology with an extraordinary commitment to customer success We help restaurants streamline operations increase revenue and deliver amazing guest experiences through our platform that combines restaurant point of sale guest-facing technology and award-winning customer support Join us as we empower the restaurant community to delight guests do what they love and thrive Bready to make a change The Fintech Risk team at Toast is responsible for driving risk informed growth for the rapidly expanding Toast Fintech line of business We are seeking a Principal Credit Risk Strategist as part of the team with a focus on the acquisition space You will work with other analysts risk managers and leaders to analyze customer characteristics identify risk differentiators and recommend underwriting strategies to achieve the risk and return goals If you have an analytic and data driven mindset eye for detail and can-do attitude then you are right for this position About this roll Responsibilities Perform comprehensive credit underwriting and risk assessment for commercial submissions evaluating exposure using financial statements industry benchmarks and client history Lead financial analysis and due diligence on new and renewal accounts to ensure informed decision-making and risk alignment with underwriting appetite Utilize Python SQL and Hex to automate assessments monitor trends and communicate insights to underwriting teams and business stakeholders Develop and manage a pipeline of commercial accounts contributing to ongoing portfolio management and monitoring across assigned regions or industries Apply credit rating logic and commercial risk scoring to support effective credit decisioning pricing and coverage structuring Maintain high-quality risk documentation to support audit compliance and governance standards Identify emerging risks and trends through industry and sector trend analysis and use market intelligence to adjust underwriting strategies proactively Support client relationship management by working directly with brokers agents and internal partners to improve submission quality and turnaround times Collaborate cross-functionally with actuarial product compliance and operations teams to align underwriting actions with broader business objectives Uphold underwriting discipline and ensure all decisions are in compliance with internal policies risk appetite and regulatory frameworks Contribute to team leadership and stakeholder management efforts by sharing best practices participating in process improvements and driving a culture of analytical rigor and accountability Do you have the right ingredients Requirements Bachelor s degree in Finance Accounting Risk Management Economics or a related quantitative field 7 plus years of over all experience and 2-5 years of relevant experience in commercial credit underwriting financial risk analysis or related financial services roles Proven ability to analyze complex financial statements assess liquidity leverage and solvency ratios and form credit opinions Hands-on experience with credit and financial intelligence platforms such as Moody s Analytics S P Capital IQ and Bloomberg for evaluating borrower creditworthiness and market exposure Experience using Hex or similar platforms to visualize financial trends and develop interactive underwriting dashboards Strong knowledge of credit risk frameworks rating methodologies and underwriting guidelines Ability to collaborate effectively with cross-functional teams including underwriting finance operations and compliance Skilled in managing stakeholder interactions to gather documentation clarify submissions and support risk-based decisions Excellent written and verbal communication skills with a structured and detail-oriented approach to problem solving Diversity Equity and Inclusion is Baked into our Recipe for Success At Toast our employees are our secret ingredient-when they thrive we thrive The restaurant industry is one of the most diverse and we embrace that diversity with authenticity inclusivity respect and humility By embedding these principles into our culture and design we create equitable opportunities for all and raise the bar in delivering exceptional experiences We Thrive Together We embrace a hybrid work model that fosters in-person collaboration while valuing individual needs Our goal is to build a strong culture of connection as we work together to empower the restaurant community To learn more about how we work globally and regionally check out Apply today Toast is committed to creating an accessible and inclusive hiring process As part of this commitment we strive to provide reasonable accommodations for persons with disabilities to enable them to access the hiring process If you need an accommodation to access the job application or interview process please contact For roles in the United States It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment An employer who violates this law shall be subject to criminal penalties and civil liability