We are seeking a motivated individual to join us as a Senior Credit Analyst . The ideal Senior Credit Analyst candidate will have demonstrated equipment underwriting experience of large ticket transactions and data evaluation. The ideal candidate is a senior level analyst with at least five years of large ticket equipment underwriting experience with the ability to demonstrate their write up capabilities.
Job Duties/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.
Characteristics: - Sound judgment and confidence operating with a high degree of autonomy
- Detail-oriented with strong analytical mindset
- Solutions-oriented and adaptable in complex or ambiguous situations
- Strong alignment with a team-based, performance-driven culture
Experience 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.
