Overview
This role is for a Senior Commercial Credit Analyst (Large Ticket | Equipment Finance) — REMOTE. The organization is expanding its large-ticket lending platform and is seeking an experienced credit professional to independently evaluate complex transactions, develop appropriate credit structures, and clearly communicate risk recommendations to senior leadership.
Responsibilities
- Underwrite complex, large-ticket equipment finance transactions involving established middle-market and corporate borrowers.
- Analyze financial statements and key risk factors, including cash flow, leverage, liquidity, debt-service capacity, collateral, ownership structures, and other relevant information.
- Identify strengths, weaknesses, and mitigating factors for each transaction.
- Recommend credit structures that support business objectives while staying within established risk parameters.
- Prepare comprehensive credit memoranda and present recommendations to senior credit and executive leadership.
- Evaluate transactions involving complex borrower structures, customized programs, and nonstandard terms.
- Partner with business development professionals to assess transaction feasibility and recommend appropriate structures.
- Exercise independent credit judgment and manage assigned transactions with limited supervision.
- Coordinate with legal, documentation, operations, and other internal teams to address credit and closing requirements.
- Complete credit reviews accurately and within established service expectations.
- Support portfolio quality through disciplined underwriting and consistent application of credit standards.
- Participate in process-improvement initiatives and other projects supporting growth of the large-ticket business.
Requirements
- Bachelor’s degree in finance, accounting, business, economics, or a related discipline.
- At least five years of equipment finance credit underwriting experience.
- Direct experience underwriting large-ticket, complex, or structured equipment finance transactions.
- Advanced ability to analyze income statements, balance sheets, cash-flow statements, tax returns, and supporting financial information.
- Demonstrated experience preparing formal credit memoranda and presenting credit recommendations.
- Ability to independently identify risk and develop sound, well-supported underwriting conclusions.
- Strong written and verbal communication skills.
- Proficiency with Microsoft Excel, Word, and other financial analysis tools.
- Ability to manage multiple transactions and competing priorities in a fast-paced environment.
- High degree of professionalism, discretion, and sound judgment when handling confidential information.
Preferred Qualifications
- Detail-oriented with a strong analytical mindset.
- Confident making independent credit decisions and recommendations.
- Comfortable working with complex or incomplete information.
- Collaborative and able to build productive relationships with sales and operational teams.
- Solutions-oriented, adaptable, and accountable.
- Interested in joining a growing, performance-driven organization with opportunities for continued professional development.
Compensation & Benefits
- Competitive compensation
- Comprehensive employee benefits package
Location