Credit Analyst III - Equipment Finance

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Posted Sep 18, 2026

Remote · US Full Time

Est. $85K – $115K/yr

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Overview

This position supports commercial lending and commercial loan portfolio management through financial statement spreading, underwriting, and credit analysis. The Credit Analyst III – Equipment Finance focuses on completing credit memos for new money requests for both new and existing borrowers, and supports the Portfolio Management team by completing annual reviews, renewals, change memos, and modifications. Assignments typically involve higher aggregate exposure and/or complex credits.

Responsibilities

Prepare timely, high-quality credit analysis and recommendations that accurately and thoroughly evaluate strengths and weaknesses for credit actions.
Participate in the Opportunity Memo process, assess credit strengths and weaknesses, finalize Opportunity Memos for presentation, and actively participate on OM calls.
Analyze financial statements and related data, industry risk, loan structure, and market conditions to evaluate overall creditworthiness and borrower repayment ability.
Use financial spreading software and other financial analysis tools to evaluate cash flow and determine the adequacy of primary and secondary repayment sources.
Conduct underwriting, identify credit risks, analyze repayment capacity, and prepare collateral coverage presented in a narrative format within credit memos or modifications for new money requests, renewals, annual reviews, and modifications.
Work within guidance from the credit approval team to recommend appropriate credit structuring, documentation, and risk controls.
Assist in determining the appropriate level of underwriting and due diligence based on credit risk.
Complete underwriting tasks within expected service levels and turnaround times.
Participate in business calls with commercial lending and credit administration teams.
Maintain working knowledge of macroeconomic issues affecting local markets and regional industries.
Maintain data integrity with the underwriting platform to ensure accurate record of credit relationships.
Handle compliance and audit-related matters within the area of responsibility.
Stay current on banking rules and regulations related to Credit Administration, Commercial Lending, and Appraisals.
Identify policy exceptions for credit requests consistent with the organization’s Commercial Credit Policy.
Monitor, develop, and suggest revisions to workflows and procedures to enhance efficiency and minimize expenses.
Identify potential for credit losses and mitigate risk appropriately.
Use risk rating models to accurately determine risk ratings for credit requests.
Prioritize assignments with guidance from the Commercial Credit Managers.
Evaluate the financial condition of guarantors through analysis of personal financial statements and personal tax returns.
Perform loan covenant testing calculations and update covenant compliance records.
Complete assigned education to build expertise in loan underwriting, loan structuring, and professional development.
Develop business writing and professional communication skills.

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Requirements

Bachelor’s degree in business administration, accounting, management, finance, or related discipline.
6-8 years relevant commercial lending or credit administration experience, specifically related to Equipment Finance.
Demonstrated ability to analyze complex credits accurately and efficiently.
Knowledge of lending to a wide variety of industries.
Ability to analyze detailed financial data; strong computer skills, including word processing and spreadsheets.
Ability to work with minimal direct supervision and use independent judgment and decision-making.

Preferred Qualifications

Preferred knowledge in high-net worth and corporate aircraft transactions.
Understanding of secured loan documentation; negotiation skills.
Strong interpersonal skills to effectively communicate with prospects, Senior Account Executives, agent banks, credit administration, and other bank personnel.