Credit Analyst Job Evansville area,Indiana USA,Finance & Banking

Description

We are seeking a detail-oriented and analytical Credit Analyst to join our finance team on-site at our Evansville, IN headquarters location. In this role, you will evaluate the creditworthiness of potential and existing clients to support our company's financial stability and growth. The ideal candidate will possess strong analytical skills, attention to detail, and the ability to make sound credit decisions in a fast-paced environment.

Key Responsibilities:

Analyze financial statements, credit reports, and other relevant data to assess clients' creditworthiness
Prepare detailed credit reports and recommendations for approval or decline of credit applications
Monitor existing clients' credit status and update credit limits as necessary
Collaborate with sales and collections teams to manage credit risk effectively
Conduct risk assessments and identify potential credit issues proactively
Maintain accurate and organized records of credit evaluations and decisions
Stay informed about industry trends, economic conditions, and regulatory changes affecting credit policies

Skills and

Qualifications:

Bachelor's degree in Finance, Accounting, Economics, or related field or at least 10 years of relevant industry experience in lieu of a college degree.
Proven experience as a Credit Analyst or similar role in a financial or banking environment
Strong analytical and problem-solving skills
Excellent attention to detail and organizational abilities
Proficiency in financial analysis tools and Microsoft Office Suite
Knowledge of credit reporting agencies and credit scoring systems
Effective communication and interpersonal skills
Ability to work independently and as part of a team in a deadline-driven environment

Full-Time Employee Benefit Options Include:

Health, Dental, & Vision Insurance
401(k) Retirement Savings Plan with Company Match, including Roth option
Flexible Spending Accounts and/or Health Savings Accounts, including potential for company contributions based on annual health risk assessments
Life and Accidental Death & Dismemberment Insurance
Short- and Long-Term Disability Insurance
Supplemental Voluntary Insurance Policies with options for Critical Illness, Hospital Indemnity, and Accidents
Paid Time Off for Vacation, Sick, and Holidays
Employee Assistance Program

Join our dynamic organization that values professional growth, innovation, and collaboration. We offer a supportive work culture, competitive benefits, and opportunities for career advancement.

-------------------------------------- See below for the full position description --------------------------------------

PURPOSE OF JOB:

The Credit Analyst is a non-supervisory, individual-contributor role responsible for evaluating the creditworthiness of prospective and existing borrowers across United Leasing & Finance's (ULF) equipment finance portfolio. The role combines traditional credit fundamentals, tangible net worth analysis, cash flow and leverage review, guarantor liquidity, Pay Net and credit bureau data, with an increasing emphasis on data-driven decisioning, portfolio analytics, and syndication reporting.

The Credit Analyst prepares clear, well-supported written credit narratives and risk ratings that drive sound, timely lending decisions.

JOB DUTIES:

Credit Analysis & Underwriting

Perform credit reviews and prepare a written credit narrative with a clear recommendation for transactions within assigned deal-size thresholds or as requested by management, within an agreed-upon turnaround time after receiving complete underwriting information.
Prepare a consolidated financial analysis from tax returns, reviewed or audited financial statements, and interim financials, identifying trends, red flags, and areas requiring follow-up.
Calculate and interpret core financial ratios, including tangible net worth, debt service coverage, leverage, liquidity, and profitability measures.
Analyze personal guarantor liquidity, net worth, and contingent liabilities as part of the overall credit picture.
Pull and interpret Pay Net Master Score and consumer credit bureau reports (e.g., FICO) to evaluate commercial repayment history and guarantor personal credit.
Assign an internal risk grade to each transaction using ULF's risk rating framework and clearly document the rationale.
Draft financial covenant language for lease and loan documentation, commitment letters, and related credit agreements.
Conduct discussions with customers' senior management regarding significant credit factors, accounting…