Senior Credit Analyst

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🌽 Illinois – Remote

🌽 Illinois – Remote

⏰ Full Time

🟠 Senior

🧐 Analyst

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Beacon Funding

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 1990

📦 Logistics

🏭 Manufacturing

🏗️ Construction

Logistics • Manufacturing • Construction

Beacon Funding is a leading equipment financing company based in Northbrook, IL, established in 1990. They are dedicated to helping small businesses grow and succeed by providing fast and reliable financing solutions for trucks and equipment. The company prides itself on its commitment to employee satisfaction, diversity, and a positive work culture, as evidenced by its Great Place to Work certification.

📋 Description

• Review, evaluate, and adjudicate a high volume of daily commercial credit submissions, including financial statement analysis, collateral evaluation, and business history review • Recommend risk-based pricing and deal structures, and coordinate lease approvals • Conduct background investigations, reference checks, and revenue-source confirmations • Identify transactions for Beacon's portfolio or third-party funding partners and manage the in-credit transaction pipeline • Assist with underwriting portfolio acquisitions and sales • Manage and grow relationships with syndicate banks and funding partners • Negotiate financing terms and establish new syndication and funding partnerships • Develop and enhance corporate credit scoring strategy and the credit policy manual • Build and maintain dashboards, alerts, and visualization tools such as Tableau • Research and recommend asset classes, credit tools, systems, and data sources • Analyze credit data and portfolio performance to identify trends, risks, and opportunities and translate findings into strategies and rules • Monitor credit standards, regulations, industry trends, requirements, and competitor activity for compliance • Present credit analytics findings to senior management and collaborate with executives on credit policy and decisions • Communicate with sales staff to facilitate deal flow and establish payment terms and procedures • Collaborate with data analysts and application developers on underwriting technology and reporting platforms • Foster teamwork across credit, sales, accounting, documentation, and collections • Provide guidance and mentorship to junior credit analysts • Participate in cross-functional project management and delivery of new initiatives

🎯 Requirements

• Bachelor's degree in finance, business, or a related field • 5+ years of combined experience in credit underwriting, portfolio management, and/or credit analytics, ideally with a bank, finance company, or leasing company • Experience with small-ticket, construction, and/or commercial vehicle equipment finance is a plus • Advanced knowledge of loans, leasing, credit analysis, underwriting, and deal structuring • Strong analytical skills, including identifying risks, trends, and opportunities from data and translating analysis into actionable strategy • Proficiency with data visualization and reporting tools such as Tableau and strong general computer skills • Strong interpersonal, negotiation, leadership, and verbal/written communication skills; comfortable engaging with senior management • Proactive self-starter with organizational and time-management skills

🏖️ Benefits

• Competitive base salary plus bonus opportunity • Flextime earned for additional hours worked over 8 hour days • 401(K) Matching Plan • Company Profit Sharing Plan • Medical, dental & vision insurance (UnitedHealthcare medical plan) • 14 Days off beginning after 30 days of employment • Employer that is a recognized market leader in the use of credit and underwriting technology