Senior Credit Analyst

Job Duties/Responsibilities:

• Independently analyze and underwrite complex, large‑ticket credit transactions, including detailed review of income statements, balance sheets, cash flow statements, and risk factors.
• Develop comprehensive credit recommendations and structures that appropriately balance growth objectives with risk mitigation and credit policy adherence.
• Prepare clear, well‑reasoned credit write‑ups and formal presentations for transactions involving sophisticated borrowers, complex ownership structures, and non‑standard program features, for review by senior management.
• Serve as a trusted credit partner to Business Development, providing guidance on deal structuring, risk considerations, and feasibility throughout the origination process.
• Exercise sound credit judgment on complex transactions with limited supervision
• Support portfolio quality and long‑term performance through disciplined underwriting, timely transaction reviews, and ongoing collaboration with internal stakeholders.
• Partner cross‑functionally with Legal, Operations, Documentation, and other teams to address credit, documentation, and program considerations.
• Contribute to special credit‑related projects, process improvements, and initiatives supporting the evolution of the Large Ticket department.

Characteristics:

• Sound judgment and confidence operating with a high degree of autonomy
• Detail‑oriented with strong analytical mindset
• Solutions‑oriented and adaptable in complex or ambiguous situations
• Strong alignment with a team‑based, performance‑driven culture

Experience Requirements:

• Bachelors degree in Business, Finance or related field
• 5+ years large ticket underwriting experience within the Equipment Finance Industry with demonstrated experience underwriting complex, structured transactions
• Ability to independently evaluate risk, interpret financial data, and make well‑supported credit recommendations.
• Advanced written and verbal communication skills, with a strong ability to articulate credit rationale.
• Strong organizational, analytical, and problem‑solving skills in a fast‑paced, high‑growth environment.
• Strong organizational, analytical, problem solving, and communication skills.
• Proven ability to collaborate effectively across departments while maintaining accountability for individual deliverables.
• High level of professionalism, discretion, and commitment to maintaining confidentiality of sensitive information.
• Proficiency with Microsoft Office, particularly Excel and Word; experience producing formal credit memoranda and presentations.