Senior Credit Analyst – Equipment Finance, Ticket, Vendor Channel

Responsibilities

• Underwrite equipment finance credit requests submitted through vendor channels
• Analyze financial statements, credit packages, and supporting documentation to assess risk
• Identify key risks and mitigating factors; assign appropriate internal risk ratings
• Prepare credit memoranda in nCino, ranging from streamlined summaries to comprehensive packages based on deal complexity
• Develop clear, concise, and decision-ready recommendations for credit approvers
• Prepare pre‑screen summaries to support efficient senior‑level decisioning
• Manage multiple transactions simultaneously
• Prioritize workload to meet deadlines and support timely deal execution
• Collaborate closely with sales teams, vendors, and internal stakeholders to move deals forward
• Communicate proactively on deal status, timelines, and potential issues

• Bachelor’s degree, or equivalent work experience
• Typically six or more years of relevant experience
• Demonstrated experience in commercial credit underwriting or financial analysis
• Strong ability to analyze financial statements and assess credit risk
• Prior experience in equipment finance underwriting
• Experience working with vendor‑sourced or indirect transactions
• Knowledge of tax return analysis and global cash flow concepts
• Experience using nCino or similar credit platforms
• Exposure to industries such as manufacturing and healthcare
• Ability to work effectively in a fast‑paced, high‑volume environment
• Strong attention to detail with the ability to balance speed and accuracy
• Effective written and verbal communication skills
• Strong organizational and multitasking abilities
• Sound judgment with the ability to elevate issues appropriately
• Experience with nCino or similar credit underwriting platforms
• Microsoft Excel and other Office tools
• Familiarity with AI tools (e.g., Copilot) to enhance efficiency is a plus