Offer summary

Qualifications:

Bachelor's degree in finance, accounting, or a related field., Strong analytical skills with experience in financial data analysis and credit assessment., Ability to interpret financial statements and perform ratio analysis., Experience in managing relationships and developing company policies..

Key responsabilities:

Analyze and make credit decisions for equipment leases and financings ranging from $50k to $500k+.

Review financial data and credit information to assess credit capacity and risks.

Prepare credit submissions for senior management approval and conduct ongoing credit quality verification.

Collaborate with processors to ensure loan documentation meets credit authorization requirements.

Job description

Credit Analyst - Equipment Finance - Remote

The Analyst’s primary responsibility is to analyze and make credit decisions within assigned authority or make recommendations for credits ranging from $50k to $500k+, including Equipment Leases and Financings, Recourse and Non-recourse Lines of Credit and Vendor Programs, while ensuring risk exposure consistent with the company’s credit quality guidelines.

Essential Duties:

Review financial data such as income, balance sheet and cash flow statements, perform ratio analysis; analyze growth, quality of management, market share, entity structures, equipment appraisals and borrower business plans in order to make recommendations with regards to credit capacity. Includes analyzing credit information from credit reporting agencies and other third-party sources.
Research and examine credit risks, assess history, and articulate reasons for support of an extension of credit
Prepare credit submissions to Sr. Management when recommending approval
Responsible for conducting on-going verification and regular tracking of customers’ credit quality through periodic review of credit reports, analysis of required financial information, and any other approval conditions
Experience managing and developing others and ability to build and maintain relationships
Experience developing, modifying, and executing company policies
Monitor collateral values, valuation dates, and methodologies within company policy
Partner with processors to ensure loan documentation is consistent with requirements provided by credit authorizations. Identify any other issues requiring attention prior to approval/funding

Required profile