Credit Analyst III

Transwest Inc • Zuni, CO

8d • $96,000 - $111,000

About The Position

Trans Lease is seeking an experienced Credit Analyst III to independently evaluate complex equipment finance transactions. The role works closely with Sales and other teams to assess credit risk, support customer relationships, and help make sound, timely lending decisions. Trans Lease, Inc. is an independent finance company specializing in commercial transportation equipment, with more than $1 billion in managed assets and business throughout all 50 states, Puerto Rico, and Canada.

The Credit Analyst III analyzes and underwrites commercial credit applications, evaluates borrowers and transaction risks, and provides recommendations and decisions within established authority. The position also supports originations and funding, monitors portfolio risk, contributes to underwriting and credit policy, and may mentor other Credit Analysts.

This is a salaried position with a stated schedule of Monday through Friday, 8:00 AM to 5:00 PM. Compensation is $96,000 to $111,000+. The position reports to the Credit Manager.

Requirements

• Bachelor's degree required.
• Typically 4+ years of equipment finance, commercial credit, or specialty lending experience.
• Demonstrated ability to underwrite complex, higher-risk, and exception-based transactions.
• Strong credit judgment with the ability to mentor and guide other analysts.
• Approval authority up to $750,000, including appropriate policy exceptions and complex structures.
• Must be able to communicate and provide verbal and written feedback professionally.
• Requires frequent sitting, standing, balancing, bending, or stooping for prolonged periods.
• Requires eye-hand coordination and manual dexterity sufficient to operate a keyboard, photocopier, telephone, calculator, and other office equipment.
• Requires normal range of hearing and vision to record, prepare, and communicate appropriate reports.

Nice To Haves

• Advanced degree or professional certification.
• Equipment finance, leasing, commercial lending, or specialty lending experience.
• Transportation industry experience.
• Strong financial statement analysis and Excel skills.
• Experience evaluating owner-dependent businesses and limited financial disclosure.
• Strong communication, organization, and decision-making skills.

Responsibilities

• Analyze and underwrite commercial credit applications using financial statements, tax returns, credit bureau information, personal financial statements, and other relevant information.
• Evaluate borrower strength, cash flow, guarantor support, collateral, equipment values, and overall transaction risk.
• Determine risk and provide clear, well-supported credit recommendations and decisions.
• Approve, condition, decline, restructure, or escalate transactions within established authority, as applicable.
• Work closely with Sales to support originations, manage customer relationships, and provide timely deal execution.
• Develop strong knowledge of the commercial transportation and equipment finance industries.
• Monitor customer financial performance, credit exposure, and emerging portfolio risks.
• Manage multiple transactions while maintaining efficient turnaround times.
• Support funding activities, including pricing and funding packages, as needed.
• Participate in credit process improvements, special projects, and back-testing.
• Provide mentoring, training, and guidance to other Credit Analysts, as applicable.
• Contribute to credit policy, underwriting standards, and portfolio risk management at the senior level.
• Perform other duties as assigned.

Benefits

• Medical, dental, and vision insurance for eligible employees.
• Life insurance, voluntary and employer paid, and disability insurance.
• 401(k) with company match beginning with the first contribution.
• HSA and/or FSA, as applicable.
• Paid time off, sick time, and company-paid holidays.
• Employee car discount program.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior