Credit Analyst - SMG Large Transaction

GreatAmerica•Cedar Rapids, IA

3d•Hybrid

About The Position

GreatAmerica Financial Services is a highly successful entrepreneurial company providing equipment financing to businesses across the United States. Our exemplary customer service, our principle-centered business philosophy and our team-based operating approach are key to our success and growth. We Are Looking to Add a Key Member to our Team as a Large Transaction Credit Analyst! Credit underwriting at GreatAmerica is an exciting and challenging career that allows you to research and analyze businesses across a variety of situations and industries. About this position: We are looking to add an experienced Credit Analyst to our team. The Large Transaction Credit Analyst role is responsible for underwriting moderately complex six-figure and above commercial credit applications supporting our vendor partners selling equipment and other solutions into numerous markets across the United States The individual in this role will assess creditworthiness through in-depth industry and financial analysis, established through research utilizing sources of business credit, management profiles, general industry analysis, cash flow ability, collateral, and financial statements or tax returns as applicable, to make independent decisions or recommendations to extend credit based upon their evaluation. Our typical Large Transaction Credit Analyst credit analyst could work on multiple credit applications each day, dependent on complexity. The role provides a broad foundation for risk management within GreatAmerica, supporting career advancement as desired. Our best credit analysts are eager to influence their own development, maintain a “can do” attitude, responds well to challenges, and excel at thinking on their feet while making prudent decisions.

Requirements

A bachelor’s degree with a major or minor in Finance, Accounting, Economics, or related field.
Demonstrated interpersonal skills are a must as GreatAmerica takes pride in providing an excellent customer experience during every interaction.
Excellent analytical ability, enjoy making independent decisions, and the ability to process information quickly.
Experience in commercial lending required.

Nice To Haves

Understanding of financial statements is a plus.

Responsibilities

Perform direct and thorough investigation and obtain relevant credit information to formulate credit decisions within established risk tolerances and prescribed time frames, providing written analysis and justification for the decision.
Review and analyze financial statements or tax returns as applicable.
Monitor changing economic and/or industry conditions and adjust underwriting appropriately.

Benefits

Competitive Compensation
Monthly Bonuses for Eligible Employees
401(k) and Company Match
Annual Profit Sharing
Paid Time Off
Paid Vacation - starting at 80 hours annually for employees in their first year of service.
Paid Sick Days - Ten (10) per year with a conversion option for unused time.
Ten (10) Paid Holidays per year
Gym Reimbursement
Health Insurance
Dental Insurance
Vision Insurance
Short-Term and Long Term Disability
Company Paid Life Insurance
Flexible Spending Accounts (FSA)
Health Savings Accounts (HSA)
Employee Assistance Program
Parental Leave
Tuition Assistance
Networking Opportunities
Leadership Development Opportunities
Paid Parking
Service Awards
Hybrid work arrangements
Business casual environment
A strong organizational culture focused on our greatest asset: you !