Commercial Credit Analyst – Equipment Finance

🕒 il y a 1 jour

🌵 Arizona, California, +18 états de plus – Distant

🌵 Arizona – Remote 🏄 California – Remote ⛰️ Colorado – Remote 🦌 Connecticut – Remote 🐊 Florida – Remote 🌽 Illinois – Remote 🌾 Iowa – Remote 🏖️ New Jersey – Remote 🗽 New York – Remote 🏈 Ohio – Remote 🌲 Oregon – Remote 🦀 Maryland – Remote 🍂 Massachusetts – Remote ❄️ Minnesota – Remote 🔔 Pennsylvania – Remote 🎸 Tennessee – Remote 🤠 Texas – Remote ⛷️ Utah – Remote ☕ Washington – Remote 🧀 Wisconsin – Remote

💵 $90 000 - $105 000 / an

⏰ Temps Plein

🟡 Intermédiaire

🟠 Senior

💸 Planification et Analyse Financières (FP&A)

👻 Score fantôme 1%

Ce que ça veut dire : la probabilité que personne ne recrute vraiment pour cette offre.Comment le lire : 60 % ou plus, on pense que c'est une offre fantôme. Un score plus bas est moins inquiétant.Comment on la calcule : ancienneté, republications, postes ouverts vs taille de l'équipe, rapidité de clôture, et si le salaire est indiqué.À noter : une estimation à partir de données publiques, pas un jugement sur l'entreprise. De vraies offres peuvent avoir un score élevé, alors prenez-le comme un indice, pas comme un fait.

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Altius Search Group

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1 - 10 employés

🏥 Santé

💼 Conseil

📦 Logistique

Healthcare • Consulting • Logistics

Altius Search Group est un cabinet de recrutement de cadres en placement permanent, dédié à fournir des services de recrutement personnalisés et de classe mondiale pour les entreprises et les candidats dans divers secteurs, en particulier dans les services financiers et la santé. L'entreprise met l'accent sur l'importance d'une communication précise, ponctuelle et fiable à chaque étape du processus de recrutement, garantissant des correspondances supérieures à long terme. En se concentrant sur la compréhension des besoins des candidats et des clients, Altius Search Group vise à faciliter des transitions fluides et réussies pour les nouveaux employés. Conçue comme une niche, la société se targue de sa compréhension approfondie de ses secteurs industriels clés et du marché local.

Description

• 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

🎯 Exigences

• 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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