Job description
Commercial Credit Analyst | Middle Market | Equipment Finance
Altius Search Group is conducting a search for a Commercial Credit Analyst on behalf of one of our clients, a bank-owned equipment finance company. This is an exciting opportunity to join a stable, well-capitalized platform with strong backing, where you can further develop your credit expertise and grow your career within the equipment finance industry.
We are seeking a Commercial Credit Analyst with 3–10 years of equipment finance experience to join our client’s team. This role is ideal for an individual with strong credit analysis skills who can handle a diverse portfolio while supporting the business across multiple functions.
The Analyst’s primary responsibility is to analyze and make credit decisions within assigned authority or make recommendations for credits ranging from $250K to $5MM+, including Equipment Leases and Financings, Recourse and Non-recourse Lines of Credit, and Vendor Programs—all while ensuring risk exposure consistent with the company’s credit quality guidelines.
Essential Duties:
-
Review financial data such as income statements, balance sheets, and cash flow statements; perform ratio analysis; evaluate management quality, market position, equipment appraisals, and borrower business plans to make recommendations regarding credit capacity.
-
Analyze credit information from credit reporting agencies and other third-party sources to assess risk.
-
Research and examine credit risks, assess borrower history, and provide sound recommendations to support extensions of credit.
-
Prepare and present credit submissions to senior management when recommending approval.
-
Conduct ongoing monitoring and verification of customers’ credit quality through periodic reviews of financials, credit reports, and other required conditions.
-
Monitor collateral values, valuation dates, and methodologies within company policy.
-
Partner with processors to ensure loan documentation aligns with requirements outlined in credit authorizations.
-
Identify and address issues requiring resolution prior to approval/funding.
-
Serve as a backup resource for the app-only underwriter during PTO.
Position Highlights:
-
Targeting candidates with 3–10 years of equipment finance experience.
-
Must have the ability to spread and analyze financials, and support the underwriting function when needed.
-
Potential future need for experience in warehouse line underwriting (borrowing base calculations, portfolio monitoring, and related activities).
Job requirements
Education & Experience:
-
Bachelor’s degree in Finance, Accounting, or related field required.
-
5+ years of commercial credit underwriting experience (preferably in the equipment finance industry).
Skills & Knowledge:
-
Strong ability to analyze financial statements and tax returns.
-
Solid understanding of business entity structures and their impact on financial condition.
-
Knowledge of business lending, with specific expertise in Equipment Leasing and Vendor Finance.
-
Familiarity with standard concepts, practices, and procedures within lending.
-
Proficiency with word processing, spreadsheet, and financial analysis tools.
-
Excellent written and verbal communication skills.
This is a fantastic opportunity for a motivated credit professional to join a bank-owned equipment finance company and grow within a collaborative, fast-paced environment. If you are looking to take the next step in your credit career, we encourage you to apply.