Senior Credit Analyst

UNIFI EQUIPMENT FINANCE, INC. • Ann Arbor, MI

6d

About The Position

UniFi Equipment Finance, a wholly owned subsidiary of Bank of Ann Arbor, is seeking an experienced credit professional to join its Credit Underwriting team. The Senior Credit Analyst underwrites and approves equipment finance transactions, helps shape portfolio quality and influence credit policy, and supports responsible growth. The role offers opportunities to develop judgment, authority, and leadership experience for potential advancement within the Credit organization.

The position works with Sales and internal and external stakeholders to evaluate and structure financing opportunities, communicate decisions, and support portfolio reviews, audits, training, and process improvement. UniFi describes the work environment as collaborative, fast-paced, and energetic, with access to meaningful input and opportunities for professional growth.

Requirements

• At least 5 years of progressive commercial credit adjudication and underwriting experience.
• Familiarity with PayNet, D&B, business credit bureaus, and credit scorecards.
• Experience in equipment finance, commercial banking, asset-based lending, specialty finance, or another relevant commercial credit discipline.
• Strong financial statement, tax return, cash flow, and global cash flow analysis capability.
• Sound credit judgment and ability to clearly communicate and defend credit recommendations.
• Strong written and verbal communication skills.
• Excellent problem-solving capability.
• High proficiency in Microsoft Office products.

Nice To Haves

• Bachelor's degree in finance or economics.
• Equipment leasing and finance experience.
• Experience with lease and loan structures, TRAC leases, residual risk, and supporting documentation.
• Knowledge of UCC filings, liens, titles, collateral perfection, and equipment valuation.
• Certified Lease & Finance Professional (CLFP) certification.
• Located in or near Ann Arbor, Michigan.

Responsibilities

• Independently underwrite and approve equipment finance transactions within assigned authority and in accordance with UniFi credit policy.
• Analyze business and personal financial statements, tax returns, and interim financial information.
• Evaluate cash flow, DSCR, global cash flow, leverage, liquidity, repayment capacity, operating trends, and industry risk.
• Prepare clear, concise, and well-supported credit recommendations for deal review, including larger, complex, or elevated-risk opportunities.
• Partner with Sales to structure financing solutions that balance risk, return, and customer needs.
• Apply sound judgment to credit exceptions and clearly document the supporting rationale.
• Contribute to portfolio reviews, trend analysis, management reporting, and remediation discussions.
• Participate in audits, examinations, internal reviews, training, and process-improvement initiatives.
• Communicate credit decisions or requests for additional information effectively to internal and external stakeholders.
• Ensure compliance with applicable regulations and standards.
• Assist in building and maintaining relationships with partners.
• Perform other duties as assigned.

Benefits

• Professional growth opportunities.
• Collaborative environment with direct access and opportunity to contribute input and opinions.
• Stability of a bank-owned platform.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed