Senior Credit Analyst
About The Position
Independently analyze and underwrite complex, large‑ticket credit transactions, including detailed review of income statements, balance sheets, cash flow statements, and risk factors. Develop comprehensive credit recommendations and structures that appropriately balance growth objectives with risk mitigation and credit policy adherence. Prepare clear, well‑reasoned credit write‑ups and formal presentations for transactions involving sophisticated borrowers, complex ownership structures, and non-standard program features, for review by senior management. Serve as a trusted credit partner to Business Development, providing guidance on deal structuring, risk considerations, and feasibility throughout the origination process. Exercise sound credit judgment on complex transactions with limited supervision Support portfolio quality and long‑term performance through disciplined underwriting, timely transaction reviews, and ongoing collaboration with internal stakeholders. Partner cross‑functionally with Legal, Operations, Documentation, and other teams to address credit, documentation, and program considerations. Contribute to special credit‑related projects, process improvements, and initiatives supporting the evolution of the Large Ticket department.
Requirements
- Bachelors degree in Business, Finance or related field
- 5+ years large ticket underwriting experience within the Equipment Finance Industry with demonstrated experience underwriting complex, structured transactions
- Ability to independently evaluate risk, interpret financial data, and make well‑supported credit recommendations.
- Advanced written and verbal communication skills, with a strong ability to articulate credit rationale.
- Strong organizational, analytical, and problem‑solving skills in a fast‑paced, high‑growth environment.
- Strong organizational, analytical, problem solving, and communication skills.
- Proven ability to collaborate effectively across departments while maintaining accountability for individual deliverables.
- High level of professionalism, discretion, and commitment to maintaining confidentiality of sensitive information.
- Proficiency with Microsoft Office, particularly Excel and Word; experience producing formal credit memoranda and presentations.
Responsibilities
- Independently analyze and underwrite complex, large‑ticket credit transactions, including detailed review of income statements, balance sheets, cash flow statements, and risk factors.
- Develop comprehensive credit recommendations and structures that appropriately balance growth objectives with risk mitigation and credit policy adherence.
- Prepare clear, well‑reasoned credit write‑ups and formal presentations for transactions involving sophisticated borrowers, complex ownership structures, and non-standard program features, for review by senior management.
- Serve as a trusted credit partner to Business Development, providing guidance on deal structuring, risk considerations, and feasibility throughout the origination process.
- Exercise sound credit judgment on complex transactions with limited supervision
- Support portfolio quality and long‑term performance through disciplined underwriting, timely transaction reviews, and ongoing collaboration with internal stakeholders.
- Partner cross‑functionally with Legal, Operations, Documentation, and other teams to address credit, documentation, and program considerations.
- Contribute to special credit‑related projects, process improvements, and initiatives supporting the evolution of the Large Ticket department.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Number of Employees
11-50 employees
