Credit Analyst

Join to apply for the Credit Analyst role at VFI Corporate Finance

This range is provided by VFI Corporate Finance. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

$80,000.00/yr - $/yr

Headquartered in Salt Lake City, Utah, VFI Corporate Finance, Inc. (“VFI” or the “Company”) is a leading direct commercial finance lender for Middle Market to Fortune 500 companies. The Company has an experienced and proven management team with over a combined century of experience. VFI finances critical use assets for lessees across a wide variety of industries. VFI has a diversified portfolio in both equipment and geographic locations.

VFI is currently hiring an experienced Credit Analyst to join our Salt Lake City team.

Analyze financial statements and other financial information in order to understand a customer’s risk profile and to present that analysis to VFI’s Credit Committee. The focus of the analysis will be to provide VFI’s Credit Committee with an accurate and data-based presentation on a customer’s history, its profitability, solvency, stability, liquidity and ultimately, their ability to repay their obligations to VFI.

• Spreading financial statements in Excel
• Understanding customer’s business model and industry
• Incorporating budgets and forecasts into the spreads and comparing them with actual results when appropriate
• Using third party sources to augment information provided by customer including ratings reports, news articles, press releases, SEC filings, industry data, and so forth
• Understanding the economics of pending transactions
• Understanding VFI’s collateral and how such collateral supports a transaction
• Identifying customer specific risks and understand how they might impact the overall credit risk to VFI
• Identify specific areas of potential fraud
• Collaborate with members of the Credit Department to manage workflow and ensure timely turnaround of submitted requests
• Interact with other departments to gather information and ensure credit decisions and guidelines are communicated effectively and accurately

• Must have solid understanding of financial statements and the ability to consolidate and analyze financial data including: budgets, financial statements, forecasts and financial ratios
• Informed of current financial subjects including accounting, tax laws, corporate lending and general business organization
• Outstanding communication and presentation skills are critically important
• Strong interpersonal and customer relationship skills
• Detail oriented with the ability to manage multiple assignments simultaneously and meet deadlines
• Highly proficient in MS Office products, particularly Excel
• Familiarity with CRM software (e.g., Salesforce)

• Bachelor’s degree (or higher) in Finance, Accounting, Economics, or another business-related field
• Three to five years of prior experience as a Credit or Financial Analyst

• Mid-Senior level

• Full-time

• Analyst and Finance

• Medical insurance
• Vision insurance
• 401(k)
• Disability insurance