Senior Credit Analyst

• Analyze financial statements, tax returns, credit reports, Dun & Bradstreet reports and other third Party information to determine the borrower's creditworthiness.
• Complete financial spreads and PD templates as required by Navitas' credit policies.
• Make credit decisions on transactions within assigned credit authority and make recommendations on transactions requiring local Credit Committee approval or UCBI Bank approval.
• Correspond with brokers, lessees, banks, and vendors as appropriate to answer specific questions, gain additional information and appropriately market Navitas Products.
• Maintain existing broker relationships.
• Assist with the development, implementation, and updating of broker programs
• Review funded transactions as required for auditing purposes

• 4-year College or University degree preferred, or 5+ years related experience and/or training, or equivalent combination of education and experience.
• Computer skills required:
  Microsoft Office, Excel Spreadsheets
• Previous equipment leasing/loan industry experience required
• Prior franchise lending experience is a plus
• Strong analytical and problem-solving abilities
• Excellent mathematical and financial modeling skills
• Highly organized with exceptional attention to detail
• Ability to prioritize, multitask, and work efficiently under tight deadlines
• Sound judgment in complex and non-standard scenarios
• Effective communication skills, including delivering difficult decisions professionally.
• Must be able to resolve problems from both internal and external sources.
• Ability to collaborate across teams and manage competing stakeholder needs.

Demonstrates strong analytical and financial modeling skills to assess creditworthiness and make informed credit decisions. Proficient in managing broker relationships and collaborating across teams to meet stakeholder needs while maintaining attention to detail and organizational efficiency.

• Financial Statement Analysis
• Credit Decision Making
• Analytical Skills
• Microsoft Excel
• Equipment Leasing Experience

• Financial Modeling
• Credit Analysis
• Problem-Solving
• Mathematical Skills
• Financial Spreads
• PD Templates
• Auditing
• Credit Policies

• Effective Communication
• Organizational Skills
• Attention to Detail
• Multitasking
• Sound Judgment

• Equipment Leasing
• Loan Industry
• Franchise Lending
• Broker Programs

• Microsoft Office
• Excel Spreadsheets