Senior Commercial Credit Analyst – Large Ticket, Equipment Finance

This is a fully remote position, open to applicants in Arizona, +18 more states.

📋 Description

• Underwrite intricate, large-scale equipment finance transactions involving established middle-market and corporate clients.

• Analyze financial statements, cash flows, leverage, liquidity, debt-service capacity, collateral, ownership structures, and other pertinent risk elements.

• Identify strengths, weaknesses, and mitigating factors of transactions.

• Recommend credit structures that align with business objectives and adhere to established risk parameters.

• Prepare detailed credit memoranda and present recommendations to senior credit and executive leadership.

• Evaluate complex borrower arrangements, tailored programs, and nonstandard terms.

• Collaborate with business development professionals to assess transaction viability and propose suitable structures.

• Exercise independent credit judgment and manage assigned transactions with minimal supervision.

• Coordinate with legal, documentation, operations, and other internal teams regarding credit and closing requirements.

• Accurately complete credit reviews within established service expectations.

• Support portfolio quality through disciplined underwriting and consistent application of credit standards.

• Participate in initiatives and projects aimed at improving processes to support large-ticket business growth.

⛳️ Requirements

• Bachelor’s degree in finance, accounting, business, economics, or a related field.

• A minimum of five years of experience in equipment finance credit underwriting.

• Direct experience in underwriting large-ticket, complex, or structured equipment finance transactions.

• Advanced capability to analyze income statements, balance sheets, cash flow statements, tax returns, and related financial information.

• Proven experience in preparing formal credit memoranda and presenting credit recommendations.

• Ability to independently identify risks and develop sound, well-supported underwriting conclusions.

• Strong written and verbal communication abilities.

• Proficient in Microsoft Excel, Word, and other financial analysis tools.

• Capable of managing multiple transactions and competing priorities in a fast-paced setting.

• High degree of professionalism, discretion, and sound judgment when dealing with confidential information.

• Detail-oriented with a robust analytical mindset.

• Confident in making independent credit decisions and recommendations.

• Comfortable working with complex or incomplete information.

• Collaborative and capable of fostering productive relationships with sales and operational teams.

• Solutions-oriented, adaptable, and accountable.

🏝️ Benefits

• Opportunity to join a rapidly growing national equipment finance platform.

• Collaborative, technology-focused working environment.

• Meaningful exposure to intricate, large-ticket transactions.

• Opportunities for professional growth and advancement.

• Competitive compensation.

• Comprehensive employee benefits package.