Senior Risk Analyst

• Review and analyze credit scoring metrics and risk ratings to identify material credit strengths and weaknesses and provide timely credit decisions
• Support credit decisions using scoring models and supplementary data from commercial and personal credit reporting agencies and web resources
• Spread and analyze financial statements and incorporate relevant financial metrics into credit reviews
• Review and decide transactions within assigned authority and recommend transactions exceeding assigned authority
• Monitor credit lines and complete credit line renewals
• Structure and document credit approvals consistent with risk management guidelines
• Review and approve contract-term changes within assigned authority
• Advise sales teams on pended applications and facilitate obtaining credit and financial information
• Update system comments on credit application status
• Resolve dealer and customer concerns while maintaining risk management standards
• Develop relationships with sales teams and end user customers
• Negotiate complex credits and lease structures
• Mentor junior credit team members
• Complete assigned training
• Facilitate credit scoring model maintenance and updates with the IT department
• Contribute to application turnaround, approval ratio, delinquency, charge-off, follow-up, and appeal-resolution goals

• Bachelor’s Degree or equivalent, preferably in finance or a related subject
• At least 5 years of related work experience
• Strong working knowledge of automated credit scoring and financial modeling
• Knowledge of business and consumer scoring model development, adjustments, and maintenance
• Ability to negotiate and close structured approvals for challenging credits
• Clear understanding of equipment lease operations
• Ability to communicate effectively to resolve issues professionally
• Working knowledge of lease accounting systems
• Team player and self-starter with high energy, positive outlook, and professional demeanor
• Career-oriented with focus on growth in the equipment finance business
• Ability to handle multiple tasks and complete assignments accurately within expected time frames in a high-volume environment
• Working knowledge of Google Docs, Sheets, and Slides
• Strong interpersonal skills, including rapport building, listening, and questioning skills
• Ability to work effectively in a fast-paced environment supporting East, Central, and West zones
• Ability to complete special projects as assigned
• Inventory Finance and/or Hard Asset underwriting experience and Broker experience are a plus
• Bank credit training or other formal credit training is a plus

Demonstrates expertise in credit scoring metrics, financial modeling, and risk management while effectively negotiating complex credit approvals. Strong ability to mentor team members and maintain professional relationships with sales teams and customers.

• Credit Scoring Metrics Analysis
• Financial Modeling
• Negotiation of Structured Approvals
• Lease Accounting Systems Knowledge
• Interpersonal Skills

• Credit Scoring
• Financial Statement Analysis
• Risk Management Guidelines
• Credit Line Monitoring
• Credit Approval Structuring
• Automated Credit Scoring
• Business Scoring Model Development
• Equipment Lease Operations
• Inventory Finance Underwriting
• Broker Experience

• Effective Communication
• Team Player
• Problem Resolution
• Rapport Building
• Self-Starter

• Bank Credit Training
• Formal Credit Training

• Credit Decisions
• Financial Metrics
• Credit Application Status
• Application Turnaround
• Approval Ratio
• Delinquency
• Charge-Off
• Follow-Up
• Appeal-Resolution Goals

• Google Docs
• Google Sheets
• Google Slides
• Lease Accounting Systems