Commercial Credit Analyst – Equipment Finance

🔥 5 minutes ago

🌵 Arizona, California, +18 more states – Remote

🌵 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

💵 $90k - $105k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

💸 Financial Planning and Analysis (FP&A)

👻 Ghost score 1%

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Altius Search Group

WebsiteLinkedInAll Job Openings

1 - 10 employees

🏥 Healthcare

💼 Consulting

📦 Logistics

Healthcare • Consulting • Logistics

Altius Search Group is a permanent placement executive search firm dedicated to providing personalized and world-class recruiting services for companies and candidates in various industries, particularly in Financial Services and Healthcare. The firm emphasizes the importance of accurate, timely, and reliable communication throughout each stage of the recruiting process, ensuring superior long-term matches. By focusing on understanding the needs of both candidates and clients, Altius Search Group aims to facilitate smooth and successful transitions for new employees. Niche by design, the company prides itself on its deep understanding of its core industry focuses and the local market.

📋 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

🎯 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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