Credit Specialist

EquipmentShare • Columbia, MO

2d • Onsite

About The Position

EquipmentShare is hiring a Credit Specialist at its Corporate Headquarters in Columbia, Missouri. The role oversees the credit review and approval process for prospective customers across the company’s rental, sales, and Forge & Build materials business lines. The Credit Specialist conducts comprehensive credit analyses, gathers and reviews documentation, makes recommendations, and makes final lending decisions, including determining customer credit limits.

The position works Monday through Friday from 10:00 AM to 7:00 PM Central Time. The credit team operates from 6:00 AM to 7:00 PM Central Time, Monday through Friday, and the Credit Specialist participates in an on-call rotation, covering one weekend every eight weeks. The role collaborates with the Credit Manager and branch staff to support credit decisions, mitigate risk, and onboard customers into the appropriate systems.

Requirements

• High school diploma, equivalent education, or experience required.
• At least 2 years of work experience in credit analysis, finance, and/or lending.
• Ability to work under pressure in a fast-paced, changing environment while producing thorough, accurate work and meeting deadlines.
• Analytical thinking skills.
• Knowledge of economics, accounting, and finance, and the ability to analyze risk.
• Excellent written and verbal communication skills.
• Ability to sit for prolonged periods at a desk and work on a computer.

Nice To Haves

• Bachelor’s degree preferred.
• Experience working with liens preferred.

Responsibilities

• Review credit applications for customers across the rental, sales, and Forge & Build materials business lines.
• Retain and organize credit review documentation, including scorecards used to determine customer credit limits, ensuring records are complete, accurate, and accessible for compliance.
• Verify renters’ names and other pertinent information with the state.
• Manage the credit report process, including running customer credit through third-party verification systems and ensuring reports are pulled, documented, and analyzed.
• Review business credit reports from Dun & Bradstreet, Creditsafe, and Equifax, and determine whether a Personal Guarantor is needed.
• Work with the Credit Manager to ensure credit reports are sound and reviews are thorough.
• Use tools and programs such as Retool, JotForm, Dun & Bradstreet, Creditsafe, Equifax, and ES Admin to complete credit reviews.
• Collaborate with branch staff, including General Managers, Territory Account Managers, and District Sales Managers, to communicate credit decisions and limits, resolve questions, and support timely customer onboarding.
• Answer incoming phone calls from branch staff and provide timely, accurate, and professional support regarding credit status, limits, and onboarding questions.
• Onboard customers into the appropriate systems, including ES Admin and Bistrack for Forge & Build.
• Identify and evaluate potential credit quality issues and determine appropriate next steps to minimize company risk and loss.
• Perform other tasks and projects as assigned by management.
• Participate in the credit team’s on-call rotation, providing coverage for one weekend every eight weeks.

Benefits

• Full medical, dental, and vision coverage for full-time employees.
• Generous paid time off and paid holidays.
• 401(k) with company match.
• Gym membership stipend and wellness programs, with opportunities to earn PTO and prizes.
• Company events and quarterly team activities.
• 16 hours of paid volunteer time per year.
• Career advancement, leadership training, and professional development opportunities.
• Competitive compensation.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED