Mid-Ticket Senior Credit Analyst

About the role

PEAC Solutions is seeking an experienced Mid-Ticket Senior Credit Analyst to underwrite and manage commercial loan and lease transactions ranging from $500,000 to $25,000,000 across diverse industries and equipment types. This role evaluates credit risk, prepares and presents credit approvals, supports complex transactions, and partners with Sales and Operations to ensure an efficient transaction process. The position also provides leadership support through mentoring, policy development, and participation in credit committee reviews.

Responsibilities

• Underwrite and evaluate middle-ticket equipment finance transactions ranging from $500,000 to $25,000,000.
• Analyze commercial and personal financial statements, tax returns, credit reports, and due diligence materials to assess creditworthiness.
• Prepare and present credit approval summaries, annual reviews, and recommendations to Credit Committee and Senior Management.
• Support Sales and Operations in structuring and closing complex or non-standard transactions.
• Lead underwriting activities for Specialty Finance products, including inventory, wholesale, and rental financing programs.
• Develop and maintain underwriting guidelines and risk acceptance criteria.
• Ensure transactions comply with company credit policies, audit requirements, and portfolio risk standards.
• Provide mentoring and co-approval support for junior underwriting staff and assist with workflow management during high-volume periods.
• Communicate credit decisions and portfolio performance effectively to internal stakeholders and leadership.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or related field preferred; equivalent experience considered.
• 15+ years of commercial credit underwriting experience in equipment leasing and middle-ticket transactions required.
• Experience with CT&I and Specialty Finance products, including inventory, rental, and wholesale financing.
• Strong financial statement and tax return analysis skills.
• Excellent communication, analytical, and organizational skills.
• Proficiency with Microsoft Office applications, including Excel, Word, and PowerPoint.

Benefits

• Medical, dental, and vision insurance
• Life insurance and short/long-term disability
• 401(k) with company match
• Flexible spending accounts
• Paid time off
• One paid day off per year for community involvement
• Paid birthday leave