Job Description

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...

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