Commercial Credit Analyst - Equipment Finance

About Our Client:This organization operates within the national equipment finance industry, addressing the need for specialized commercial credit underwriting for equipment finance transactions. It focuses on providing thorough credit evaluations and financing solutions for commercial borrowers, playing a critical role in facilitating equipment acquisition while managing credit risk across diverse transaction structures. About the Opportunity:The COMMERCIAL CREDIT ANALYST - EQUIPMENT FINANCE is responsible for underwriting equipment finance transactions by analyzing financial and credit information to support sound credit decisions. This role contributes by preparing detailed credit recommendations and collaborating across departments to ensure efficient transaction approvals, directly impacting the organization's risk management and lending quality. Responsibilities:Underwrite commercial equipment finance transactions by analyzing financial statements, tax returns, cash flow, credit reports, bank information, collateral, guarantor support, and repayment capacity.Evaluate equipment loans, finance leases, capital leases, operating leases, sale-leaseback transactions, vendor finance programs, and other commercial equipment finance structures.Assess equipment values, collateral quality, advance rates, proposed terms, transaction structure, industry conditions, borrower strength, and concentration exposure.Identify material credit risks, policy exceptions, documentation concerns, and appropriate structural or financial mitigants.Prepare clear, concise, and well-supported credit memoranda and approval recommendations for new transactions, renewals, amendments, and other credit requests.Present transactions and respond to questions from senior credit leadership or the credit committee as needed.Collaborate with sales, operations, documentation, asset management, and credit leadership to obtain required information and move qualified transactions efficiently through the approval process.Maintain complete and accurate credit files, approval conditions, workflow status, and supporting documentation.Monitor assigned transactions for adverse trends, emerging risks, missing information, and unresolved approval conditions.Communicate credit concerns promptly and exercise sound independent judgment within established policies and approval guidelines. Requirements:Three to seven years of direct commercial equipment finance underwriting experience.Prior underwriting experience in the equipment finance industry is required.Demonstrated experience underwriting commercial equipment loans, leases, or other equipment finance transactions.Strong financial statement, cash flow, liquidity, leverage, collateral, and repayment-capacity analysis skills.Experience evaluating equipment values, advance rates, transaction terms, guarantor support, and repayment risk.Demonstrated ability to prepare concise, accurate, and well-supported credit memoranda and underwriting recommendations.Working knowledge of commercial equipment finance structures, collateral considerations, documentation requirements, and credit policies.Ability to manage multiple transactions independently, meet service expectations, and escalate complex or higher-risk matters appropriately.Strong written and verbal communication skills.Ability to work effectively with sales, operations, documentation, asset management, and credit partners.Proficiency with Microsoft Excel, Word, and commercial credit or portfolio management systems.Ability to work remotely from within the United States during required business hours.A bachelor’s degree in finance, accounting, economics, business, or a related field is preferred; equivalent direct commercial equipment finance underwriting experience may be considered. Pay Range and Compensation Package:The estimated base salary range is $90,000–$105,000, depending on experience and qualifications. Equal Opportunity Statement: Our client is an equal opportunity employer. They celebrate diversity and are committed to creating an inclusive environment for all employees. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, or national origin. Note:RemoteHunter is a recruitment partner of this role. Please note that all employment decisions, including candidate assessment, interviews, hiring, compensation, and employment terms, are made exclusively by the hiring employer.