Senior Credit Analyst

The Senior Credit Analyst plays a critical role across the full credit lifecycle — from underwriting and structuring individual transactions to managing syndication and funding-partner relationships to advancing the analytical tools and processes that support Beacon's credit decisioning. This role combines the transaction-level judgment of a seasoned underwriter with the data and process orientation of a credit analytics specialist, and may include mentoring or providing working guidance to junior credit analysts as part of day-to-day deal flow. Job ResponsibilitiesReview, evaluate, and adjudicate a high volume of daily commercial credit submissions, including financial statement analysis, collateral evaluation, and business history reviewRecommend appropriate risk-based pricing and deal structure; direct, coordinate, and make recommendations for lease approvalsConduct background investigation including bank, finance company, and trade references, and confirmation of revenue sourcesIdentify transactions to be funded via Beacon's portfolio or third-party funding partners, and manage a pipeline of “in credit” transactions in a timely mannerAssist in the underwriting of portfolio acquisitions and/or portfolio salesMaintain working familiarity with Beacon's core industry assets and business borrowersManage and grow relationships with Beacon's syndicate bank and funding partnersNegotiate improved financing terms and conditions with syndication and funding partnersIdentify and establish new syndication bank programs and funding partnershipsAssist in the development and ongoing enhancement of corporate credit scoring strategy and credit policy manualBuild and maintain dashboards, alerts, and visualization tools (e.g., Tableau) to monitor key credit and portfolio performance indicatorsIndependently research and recommend asset classes, credit tools, systems, and data sources to improve underwriting and support newAnalyze credit data and portfolio performance to identify underwriting trends, risks, and opportunities, and translate findings into clearly defined, implementable strategies and rulesMaintain credit standards and monitor industry regulations, requirements, trends, and competitor activity to ensure ongoing compliancePresent credit analytics findings and recommendations to senior management, and work closely with executives on credit policy and credit decisionsEffectively communicate with sales staff to facilitate deal flow, and assist in establishing payment terms and procedures with new vendor referral relationshipsCollaborate with data analysts and application developers to build, fix, and enhance credit underwriting technology and reporting platformsFoster effective teamwork across credit, sales, accounting, documentation, and collectionsProvide working guidance and mentorship to junior credit analysts as needed; contribute to a positive, collaborative team environmentParticipate in project management alongside cross-functional business partners on new initiatives, prioritization, and delivery Job RequirementsBachelor's degree in finance, business, or a related field5+ years of combined experience in credit underwriting, portfolio management, and/or credit analytics, ideally with a bank, finance company, or leasing companyBusiness and/or four (4) year college degree is preferredExperience with small-ticket, construction, and/or commercial vehicle equipment finance is a plusAdvanced knowledge of loans, leasing, credit analysis, underwriting, and deal structuringStrong analytical skills with the ability to identify risks, trends, and opportunities from data, and translate analysis into actionable strategyProficiency with data visualization and reporting tools (e.g., Tableau) and strong general computer skillsStrong interpersonal, negotiation, leadership, and verbal/written communication skills; comfortable engaging with senior managementProactive self-starter with a positive, can-do attitude and sound organizational and time-management skills BenefitsCompetitive base salary plus bonus opportunityFlextime earned for additional hours worked over 8 hour days401(K) Matching PlanCompany Profit Sharing PlanMedical, dental & vision insurance (UnitedHealthcare medical plan)14 Days off beginning after 30 days of employmentEmployer that is a recognized market leader in the use of credit and underwriting technology