Commercial Credit Analyst – Equipment Finance
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Job Description
Commercial Credit Analyst underwriting complex equipment finance transactions for a national equipment finance company. Preparing credit recommendations and partnering with sales and credit leadership.
Responsibilities:
- Underwrite commercial equipment finance transactions by analyzing financial statements, tax returns, cash flow, credit reports, bank information, collateral, guarantor support, and repayment capacity
- Evaluate equipment loans, finance leases, capital leases, operating leases, sale-leaseback transactions, vendor finance programs, and other commercial equipment finance structures
- Assess equipment values, collateral quality, advance rates, proposed terms, transaction structure, industry conditions, borrower strength, and concentration exposure
- Identify material credit risks, policy exceptions, documentation concerns, and appropriate structural or financial mitigants
- Prepare credit memoranda and approval recommendations for new transactions, renewals, amendments, and other credit requests
- Present transactions and respond to questions from senior credit leadership or the credit committee
- Collaborate with sales, operations, documentation, asset management, and credit leadership to move qualified transactions through approval
- Maintain complete and accurate credit files, approval conditions, workflow status, and supporting documentation
- Monitor assigned transactions for adverse trends, emerging risks, missing information, and unresolved approval conditions
- Communicate credit concerns promptly and exercise independent judgment within established policies and approval guidelines
Requirements:
- Three to seven years of direct commercial equipment finance underwriting experience
- Prior underwriting experience in the equipment finance industry is required; candidates without it will not be considered
- Experience underwriting commercial equipment loans, leases, or other equipment finance transactions
- Strong financial statement, cash flow, liquidity, leverage, collateral, and repayment-capacity analysis skills
- Experience evaluating equipment values, advance rates, transaction terms, guarantor support, and repayment risk
- Ability to prepare concise, accurate, and well-supported credit memoranda and underwriting recommendations
- Working knowledge of commercial equipment finance structures, collateral considerations, documentation requirements, and credit policies
- Ability to manage multiple transactions independently and escalate complex or higher-risk matters appropriately
- Strong written and verbal communication skills
- Ability to work effectively with sales, operations, documentation, asset management, and credit partners
- Proficiency with Microsoft Excel, Word, and commercial credit or portfolio management systems
- Ability to work remotely from within the United States during required business hours
- Bachelor’s degree in finance, accounting, economics, business, or a related field is preferred
- Equivalent direct commercial equipment finance underwriting experience may be considered
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