Senior Credit Analyst

eCapital•Dallas, TX

About The Position

eCapital is seeking a Senior Credit Analyst to join its Credit Department, which protects the company’s portfolio by assessing risk, setting appropriate credit exposure levels, and monitoring debtor performance. The role evaluates new and existing debtor relationships across the United States and Canada, analyzes financial statements, establishes and recommends credit limits, prepares executive-level credit proposals, and supports strategic credit decisions. The Senior Credit Analyst works closely with executive leadership and other departments, handles complex and escalated credit requests, reviews junior analysts’ work, and mentors team members. The position also contributes to credit policies, controls, process improvements, software enhancements, and operational efficiencies. eCapital provides factoring and asset-based lending solutions in the United States and Canada, with experience supporting businesses in the transportation sector.

Requirements

Bachelor’s degree in Accounting, Finance, Economics, Business Administration, or a related field, or an equivalent combination of education and experience.
At least 5 years of experience in commercial credit analysis, risk management, or a related financial discipline.
Experience analyzing commercial businesses of varying sizes and industries.
Strong understanding of financial statement analysis, financial ratios, and accounting standards, including US GAAP and IFRS/ASPE for Canadian companies.
Experience reviewing and interpreting commercial credit reports from providers such as Dun & Bradstreet, Moody’s Analytics, and other industry sources.
Working knowledge of US and Canadian commercial credit markets.
Exceptional written, verbal, and presentation skills, including the ability to communicate complex financial information and credit recommendations clearly.
Strong analytical, problem-solving, and critical-thinking capabilities.
Demonstrated ability to evaluate risk and make sound credit decisions in a fast-paced environment.
Strong organizational skills and ability to manage multiple priorities and deadlines simultaneously.
High level of accuracy and attention to detail.
Self-motivated, with the ability to work independently and collaboratively within a team.
Strong interpersonal skills and ability to build effective relationships across departments and organizational levels.
Advanced Microsoft Excel skills, including pivot tables, lookups, and financial modeling; proficiency in Microsoft Word and PowerPoint.
Commitment to continuous learning, professional development, and process improvement.

Nice To Haves

Experience in factoring, asset-based lending, commercial finance, banking, or fintech.
Experience with transportation or freight broker credit.
Experience with BI or reporting tools.

Responsibilities

Assess the creditworthiness of current and prospective debtors, including freight brokers, shippers, and other commercial customers in the United States and Canada, using financial statements, credit reports, payment history, and other relevant information.
Establish debtor credit limits within delegated authority and recommend higher limits to senior management and the Executive Credit Committee.
Review the quality and concentration of prospective clients’ accounts receivable portfolios to ensure key debtors meet eCapital’s credit criteria.
Collaborate with Sales, Underwriting, Operations, and Executive Leadership to evaluate opportunities and provide credit risk recommendations.
Prepare written credit proposals and recommendations for the Executive Credit Committee regarding the largest and most complex debtor exposures.
Handle escalated and complex debtor credit requests from the analyst team and review junior analysts’ work for quality and consistency.
Monitor existing debtor relationships for compliance with approved credit parameters, obtain and analyze updated financial statements, and identify emerging risks such as slowing payment, authority revocations, or fraud indicators.
Manage debtor concentration risk at client and portfolio levels and communicate material concerns or adverse trends to management.
Assist in developing and implementing policies, procedures, and best practices to strengthen credit risk controls.
Identify process improvements, software enhancements, and operational efficiencies.
Train, develop, and mentor new and existing team members.
Provide internal stakeholders with guidance and support on credit-related matters and requests.
Participate in special projects and perform additional duties as assigned.