The Opportunity The Junior Credit Analyst / Loan Reviewer is a key contributor to OptimaFI’s loan review operations, responsible for delivering accurate, consistent loan reviews across a variety of financial institutions. You’ll review a high volume of loans on a weekly basis, assessing credit risk, underwriting quality, and policy adherence. This role is central to maintaining the quality and integrity of client deliverables while operating efficiently in a fast-paced, remote environment. Key Responsibilities Loan Review & Analysis - Review 12–15 loans per day, evaluating risk grading accuracy, underwriting practices, servicing, and adherence to credit policies - Analyze financial statements, cash flow, collateral, and guarantor support to assess creditworthiness - Document findings clearly and accurately in a succinct summary using OptimaFI’s proprietary loan review platform Execution & Quality - Deliver consistent, high-quality work while managing volume and meeting deadlines - Apply sound judgment when evaluating credit risk and identifying potential issues - Ensure accuracy, completeness, and adherence to OptimaFI’s quality standards - Maintain confidentiality when handling sensitive client information Client & Team Collaboration - Collaborate with team members and leadership to ensure alignment and consistency in deliverables - Adapt quickly to navigate different client systems and data environments including IT connectivity on a weekly basis - Share insights and observations to support continuous improvement across engagement Required Qualifications - Bachelor’s degree in finance, accounting, business, or related field - 3-10 years of credit analysis or underwriting experience in banking - Strong knowledge of commercial lending (CRE, C&I, construction) - Experience analyzing financial statements, cash flow, and loan documentation Preferred Qualifications - Experience in loan review, credit analysis, or direct lending - Familiarity with banking regulations and credit risk best practices You'll Thrive in This Role If You: - Deliver consistent, accurate work and take pride in producing high-quality analysis at volume - Take ownership of your work and manage your time effectively to meet deadlines - Build trust through reliable execution and clear, objective credit assessments - Communicate findings with clarity and transparency - Use sound judgment to evaluate risk and prioritize effectively - Stay organized and keep track of details, deadlines, and follow-ups - Adapt quickly to new environments, tools, and client contexts, staying effective through ambiguity - Bring strong analytical thinking and a practical, solutions-oriented mindset to your work Why OptimaFI You will have the opportunity to influence the future of a growing company serving a deeply meaningful customer base. If you’re motivated by results, not title, and you know how to make a small team feel 10X bigger, let's talk. We offer: - Competitive salary plus profit sharing. - Medical, dental and vision coverage plus Flexible PTO, 401(k) match, and WFH stipend. - Full ownership of the People roadmap—no legacy bureaucracy. - A leadership team that values straight talk and rapid experimentation. The chance to shape a culture that helps community financial institutions - and your own career – thrive

Role Description Robert is looking for a motivated and detail-oriented Junior Crypto Analyst to join our growing team. In this role, you will support senior analysts in researching and analyzing cryptocurrency markets, tracking trends, and preparing reports. You will assist in gathering and interpreting data to provide insights that drive informed investment and trading decisions. This is an excellent opportunity for individuals passionate about the crypto space who wish to develop their analytical skills and gain hands-on experience in a dynamic industry. - Assist in monitoring cryptocurrency market trends, news, and developments. - Gather, organize, and analyze crypto data from multiple sources. - Support the preparation of detailed reports and presentations for internal teams. - Collaborate with senior analysts to develop research methodologies and market insights. - Maintain databases and ensure data accuracy and integrity. - Stay updated with the latest technologies and regulations affecting the crypto market. Qualifications - Basic knowledge of cryptocurrencies, blockchain technology, and financial markets. - Strong analytical and research skills. - Proficiency in data analysis tools such as Excel; familiarity with SQL, Python, or similar is a plus. - Good written and verbal communication abilities. - Ability to work collaboratively in a team environment. - Bachelor’s degree in Finance, Economics, Computer Science, or a related field preferred. - Enthusiasm for learning and professional growth in the crypto industry. Benefits - Health Care Plan (Medical, Dental & Vision) - Retirement Plan (401k, IRA) - Paid Time Off (Vacation, Sick & Public Holidays) - Family Leave (Maternity, Paternity) - Short Term & Long Term Disability - Training & Development - Work From Home - Wellness Resources - Stock Option Plan Company Description

• Handle sponsors’ requests with the required level of detail and grounded in current legislation; • Participate in discussions to define the best strategy for different projects; • Assist in project feasibility assessments; • Help identify potential risks/opportunities for projects in case of changes to applicable legislation and/or requirements; • Perform literature searches to prepare clinical study documents, regulatory-scientific opinions, systematic literature reviews and Investigator Brochures; • Prepare study protocols and documents related to clinical studies; • Draft Investigator Brochures; • Prepare systematic literature reviews; • Write and evaluate clinical and non-clinical modules (CTD format) of documentation for marketing authorization and post-authorization of medicines; • Revise and adapt prepared documents, when necessary, after review by project stakeholders; • Compile complete project dossiers for submission to the Ethics Committee system (CEP/CONEP) via Plataforma Brasil; • Prepare amendments, notifications, interim reports, protocol deviations or responses to deficiencies issued by the CEP/CONEP system; • Respond to internal monitoring/audits conducted by the Quality Assurance department; • Contribute technical responses to requirements issued by competent authorities; • Archive research project documents according to internal procedures; • Maintain the project database up to date according to internal procedures; • Write and/or review Standard Operating Procedures relevant to the department and assist, if necessary, in managing the department training matrix; • Support other analysts in the department; • Attend Regulatory and Scientific Affairs meetings and other meetings when requested; • Participate in technical meetings with sponsors and regulatory agencies together with the Regulatory and Scientific Affairs Management, when necessary; • Stay up to date with regulations and technical requirements applicable to the Brazilian regulatory authority and international guidelines for planning, conducting and submitting projects; • Represent the company before professional associations and participate in specific technical working groups when the topic has significant impact for the company and/or sponsors.

• Translate business and product needs into clear system requirements • Formalize end-to-end money movement flows, including internal wallet operations, payment gateway interactions, and accounting triggers • Work closely with Product Managers, engineers, finance, and adjacent teams to define scope, dependencies, and delivery phases • Break down complex financial processes into implementable requirements • Contribute to platform architecture and service interaction design across product services and CoreBank components • Help structure and prioritize the team backlog together with the product lead • Identify impacted services, integrations, and teams for each change • Support engineering and QA during implementation by clarifying requirements, edge cases, and expected behavior • Keep technical and functional documentation current, clear, and usable for both engineering and cross-functional stakeholders **What success looks like:**In this role, success means you can: • Turn ambiguous financial or product requirements into clear, scalable platform designs • Help teams implement changes safely in critical money movement systems • Improve consistency across products by designing reusable CoreBank capabilities • Grow from owning requirements into shaping the direction and evolution of the platform