Senior Credit Analyst

About the Role

Altius Search Group is recruiting on behalf of a rapidly growing national equipment finance company seeking an experienced Senior Credit Analyst. The role involves independently evaluating complex large-ticket equipment finance transactions, developing appropriate credit structures, and clearly communicating risk recommendations to senior management. This individual will serve as a strategic credit partner to the sales team throughout the transaction process.

Responsibilities

• Underwrite complex, large-ticket equipment finance transactions involving established middle-market and corporate borrowers.
• Analyze financial statements, cash flow, leverage, liquidity, debt-service capacity, collateral, ownership structures, and other relevant risk factors.
• Identify the primary strengths, weaknesses, and mitigating factors associated with each transaction.
• Recommend credit structures that support business objectives while remaining consistent with established risk parameters.
• Prepare comprehensive credit memoranda and present recommendations to senior credit and executive leadership.
• Evaluate transactions involving complex borrower structures, customized programs, and nonstandard terms.
• Partner with business development professionals to assess transaction feasibility and recommend appropriate structures.
• Exercise independent credit judgment and manage assigned transactions with limited supervision.
• Coordinate with legal, documentation, operations, and other internal teams to address credit and closing requirements.
• Complete credit reviews accurately and within established service expectations.
• Support portfolio quality through disciplined underwriting and the consistent application of credit standards.
• Participate in process-improvement initiatives and other projects supporting the continued growth of the large-ticket business.

Requirements

• Bachelor’s degree in finance, accounting, business, economics, or a related discipline.
• At least five years of equipment finance credit underwriting experience.
• Direct experience underwriting large-ticket, complex, or structured equipment finance transactions.
• Advanced ability to analyze income statements, balance sheets, cash-flow statements, tax returns, and supporting financial information.
• Demonstrated experience preparing formal credit memoranda and presenting credit recommendations.
• Ability to independently identify risk and develop sound, well-supported underwriting conclusions.
• Strong written and verbal communication skills.
• Proficiency with Microsoft Excel, Word, and other financial analysis tools.
• Ability to manage multiple transactions and competing priorities in a fast-paced environment.
• High degree of professionalism, discretion, and sound judgment when handling confidential information.

Ideal Candidate Profile

• Detail-oriented with a strong analytical mindset.
• Confident making independent credit decisions and recommendations.
• Comfortable working with complex or incomplete information.
• Collaborative and capable of building productive relationships with sales and operational teams.
• Solutions-oriented, adaptable, and accountable.
• Interested in joining a growing, performance-driven organization with opportunities for continued professional development.

Benefits

• Opportunity to join a rapidly growing national equipment finance platform.
• Collaborative, technology-focused working environment.
• Meaningful exposure to complex, large-ticket transactions.
• Opportunities for professional growth and advancement.
• Competitive compensation and a comprehensive employee benefits package.