Senior Credit Analyst

eCapital•Lenexa, KS

About The Position

eCapital is seeking a Senior Credit Analyst to evaluate new and existing debtor relationships across the United States and Canada. The role protects the company’s portfolio by assessing commercial credit risk, establishing and recommending debtor credit limits, monitoring debtor performance, and supporting strategic credit decisions. The analyst works with financial statements, credit reports, payment history, and other relevant information to assess debtors, including freight brokers, shippers, and other commercial customers. The Senior Credit Analyst collaborates with Sales, Underwriting, Operations, and executive leadership; prepares credit proposals for the Executive Credit Committee; handles escalated credit requests; and reviews the work of junior analysts. The role also manages debtor concentration risk, helps improve credit policies and processes, and trains and mentors team members. It offers opportunities to work with executive leadership and contribute to significant credit decisions and departmental improvements.

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.
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.
High level of accuracy and attention to detail.
Self-motivation and ability to work independently and collaboratively.
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 business intelligence or reporting tools.

Responsibilities

Assess the creditworthiness of current and prospective debtors 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 against eCapital’s credit criteria.
Collaborate with Sales, Underwriting, Operations, and Executive Leadership on opportunities and credit risk recommendations.
Prepare written credit proposals and recommendations for the Executive Credit Committee on large and complex debtor exposures.
Handle escalated and complex debtor credit requests and review junior analysts’ work for quality and consistency.
Monitor existing debtor relationships for compliance with approved credit parameters, analyze updated financial statements, and identify emerging risks.
Manage debtor concentration risk at the client and portfolio levels and communicate material concerns or adverse trends to management.
Help develop and implement credit policies, procedures, and best practices; 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.