Credit Analyst III - Equipment Finance

Unlock Employer

Posted Sep 26, 2026

Remote · US · ask about Worldwide Full Time

Est. $85K – $115K/yr

Apply Direct

Overview

The organization is seeking a Credit Analyst III - Equipment Finance responsible for financial statement spreading, underwriting, and credit analysis to support commercial lending and commercial loan portfolio management. This role focuses on completing credit memos for new money requests to new and existing borrowers, and supports the Portfolio Management team with annual reviews, renewals, change memos, and modifications. Assignments will include credits with higher aggregate exposure and/or complex credit characteristics.

Responsibilities

Prepare timely, high-quality credit analysis and recommendations that evaluate the strengths and weaknesses of credit actions.
Participate in the Opportunity Memo process, assessing credit strengths and weaknesses and finalizing Opportunity Memos for presentation; actively participate on OM calls.
Analyze financial statements and related data, including industry risk, loan structure, and market conditions, to assess overall creditworthiness and repayment ability.
Use financial spreading software and other financial analysis tools to evaluate borrower cash flow and determine the adequacy of primary and secondary repayment sources.
Conduct underwriting by identifying credit risks, analyzing repayment capacity, preparing collateral coverage, and presenting findings in a narrative format within credit memos or modifications supporting requests for new money, renewals, annual reviews, and modifications.
Follow guidance of 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 the credit’s 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 in local markets and regional industries.
Maintain data integrity in the underwriting platform to ensure accurate record-keeping for credit relationships.
Handle compliance and audit-related matters within the scope of area 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 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 Commercial Credit Managers.
Evaluate the financial condition of guarantors by analyzing personal financial statements and personal tax returns.
Perform loan covenant testing calculations and update covenant compliance records.
Complete education as identified or assigned to build expertise in loan underwriting, loan structuring, and professional development.
Develop business writing and professional communication skills.

Ready to apply for roles like this?

Unlock the company name and direct application link. Subscribers get instant access to all remote accounting jobs.

Unlock Employer & Apply Directly

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.

Preferred Qualifications

Demonstrated ability to analyze complex credits accurately and efficiently.
Knowledge of lending to a wide variety of industries.
Preferred knowledge in high-net worth and corporate aircraft transactions.
Understanding of secured loan documentation and negotiation skills.

Additional Knowledge, Skills, and Abilities

Ability to analyze detailed financial data and strong computer skills, including word processing and spreadsheets.
Ability to work with minimal direct supervision, requiring independent judgment and decision-making.
Strong interpersonal skills to communicate effectively with prospects, Senior Account Executives, agent banks, credit administration, and other bank personnel.