Credit Products Specialist I – Equipment Finance

This is a fully remote position, open to applicants in United States.

📋 Description

• Assist in the underwriting, structuring, and oversight of commercial credit relationships within a designated business line.

• Evaluate financial statements and determine borrower creditworthiness.

• Prepare credit approval documentation for the assigned specialized sector or region.

• Track financial trends, ensure covenant compliance, and analyze borrowing bases to pinpoint credit risks and suggest actions.

• Work collaboratively with sales and credit teams to structure transactions, resolve underwriting questions, and meet client requirements.

• Guide analysts in financial evaluation, credit structuring, and risk assessment.

• Remain updated on market developments, credit policies, and risk management strategies.

• Exercise independent judgment and discretion in decision-making concerning the assigned portfolio.

• Analyze and address issues related to the assigned portfolio.

• Undertake special projects and other duties as necessary.

• Comply with regulatory, compliance, federal, state, and local standards and complete all necessary compliance training.

⛳️ Requirements

• Preferred undergraduate degree (4 years or equivalent).

• Bachelor's degree in Finance, Accounting, Economics, or a relevant field, or 5+ years of equivalent experience.

• At least 3+ years of experience in credit underwriting, portfolio management, or a related discipline.

• 3+ years of experience in a direct specialized business line, such as specialized commercial sectors, capital markets, or corporate commercial banking.

• Strong capabilities in financial analysis and risk evaluation.

• Basic knowledge of loan structuring and credit agreements.

• Proficiency in financial modeling and credit decision-making tools.

• Excellent communication and teamwork abilities.

• In-depth understanding of financial statements, key ratios, and credit assessment principles.

• Capability to analyze financial data, identify trends, and evaluate borrower creditworthiness.

• Precision in financial analysis, credit documentation, and risk evaluations.

• Ability to effectively collaborate with relationship managers, credit officers, and stakeholders.

• Competence in managing multiple loan requests, meeting deadlines, and prioritizing tasks.

• Intermediate Excel skills, including financial modeling, pivot tables, and VLOOKUP.

• Familiarity with credit analysis software.

• Eagerness to develop credit expertise, stay updated on industry trends, and apply new knowledge.

• No unusual physical exertion is required.

🏝️ Benefits

• Medical, dental, vision, life, and disability insurance.

• Comprehensive leave program.

• Variable incentives, bonuses, commissions, or other awards may be included in total compensation.