Lead Risk Analyst

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.

A day in the life (Responsibilities) 

Key Responsibilities

• 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 tool...