Credit Analyst

About the role

Responsible for credit, equipment and underwriting decisions within assigned limits and consistent with the policies and programs of Financial Pacific Leasing and the Financial Pacific Credit Department.

Provides assistance and support to Credit team members to ensure that timely, efficient and courteous service is provided to all vendors, lessees and brokers of Financial Pacific.

Makes and communicates decisions and documentation requirements within assigned limits and consistent with FPC Credit policy on lease applications, assignments, and NPA contracts as requested.

Makes decisions on the quality, future value and eligibility of equipment proposed for lease.

Confirms the accurate entry of credit related data into the FPL credit platform.

Reviews and edits all applications to increase accuracy and efficiency, as needed.

Makes recommendations to management for improvements in department policies, procedures, and reports.

Affords assistance in developing and implementing improvements.

Attends meetings and participates in and completes all departmental and companywide training.

Maintains confidentiality of all company and applicant information.

Maintains regular and predictable attendance and punctuality.

Provides highest level of Customer Service to all lessees, vendors, brokers and fellow associates.

Demonstrates compliance with all company regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training.

Keeps up to date on regulation changes.

Follows all company policies and procedures, compliance regulations, and completes all required annual or job-specific training.

Maintains a working knowledge of the company’s written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description.

Requirements

• High School graduate or equivalent required.
• Bachelor’s degree in finance, Accounting, or business-related field preferred.
• 5+ years Leasing experience in an equipment finance organization or 3+ commercial underwriting experience at a financial institution (non-mortgage).
• Basic analytical and problem-solving skills.
• Basic credit and credit quality skills, including accounting, financial statement spreading and cash flow analysis.
• Excellent organizational, communication, and collaboration abilities across company lines.
• Proficiency with personal computers and related software packages, including MS Word and Excel.
• Ability to work under timelines and meet required deadlines.

Qualifications

• High School graduate or equivalent required.
• Bachelor’s degree in finance, Accounting, or business-related field preferred.
• 5+ years Leasing experience in an equipment finance organization or 3+ commercial underwriting experience at a financial institution (non-mortgage).
• Basic analytical and problem-solving skills.
• Basic credit and credit quality skills, including accounting, financial statement spreading and cash flow analysis.
• Excellent organizational, communication, and collaboration abilities across company lines.
• Proficiency with personal computers and related software packages, including MS Word and Excel.
• Ability to work under timelines and meet required deadlines.

Skills

• Basic analytical and problem-solving skills.
• Basic credit and credit quality skills, including accounting, financial statement spreading and cash flow analysis.
• Excellent organizational, communication, and collaboration abilities across company lines.
• Proficiency with personal computers and related software packages, including MS Word and Excel.

Benefits

We are proud to offer a competitive total rewards package including base wages and comprehensive benefits. We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an employee assistance program, life insurance, disability insurance, tuition assistance, mental health resources, identity theft protection, legal support, auto and home insurance, pet insurance, access to an online discount marketplace, and paid vacation, sick days, volunteer days, and holidays.

Pay

The pay range for this role is $28.00 - $35.00. The pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location.

Schedule

The role may be eligible for performance-based incentive compensation, and those details will be provided during the recruitment process.