Senior Credit Analyst

Dext Capital

Job Duties/Responsibilities

• Independently analyze and underwrite complex, large-ticket credit transactions, including detailed review of income statements, balance sheets, cash flow statements, and risk factors.
• Develop comprehensive credit recommendations and structures that appropriately balance growth objectives with risk mitigation and credit policy adherence.
• Prepare clear, well-reasoned credit write-ups and formal presentations for transactions involving sophisticated borrowers, complex ownership structures, and non-standard program features, for review by senior management.
• Serve as a trusted credit partner to Business Development, providing guidance on deal structuring, risk considerations, and feasibility throughout the origination process.
• Exercise sound credit judgment on complex transactions with limited supervision
• Support portfolio quality and long-term performance through disciplined underwriting, timely transaction reviews, and ongoing collaboration with internal stakeholders.
• Partner cross-functionally with Legal, Operations, Documentation, and other teams to address credit, documentation, and program considerations.
• Contribute to special credit-related projects, process improvements, and initiatives supporting the evolution of the Large Ticket department.

Characteristics

• Sound judgment and confidence operating with a high degree of autonomy
• Detail-oriented with strong analytical mindset
• Solutions-oriented and adaptable in complex or ambiguous situations

Experience Requirements

• Bachelor's degree in Business, Finance, or related field
• 5+ years large ticket underwriting experience within the Equipment Finance Industry with demonstrated experience underwriting complex, structured transactions
• Ability to independently evaluate risk, interpret financial data, and make well-supported credit recommendations
• Advanced written and verbal communication skills, with a strong ability to articulate credit rationale
• Strong organizational, analytical, and problem-solving skills in a fast-paced, high-growth environment
• Proven ability to collaborate effectively across departments while maintaining accountability for individual deliverables
• High level of professionalism, discretion, and commitment to maintaining confidentiality of sensitive information
• Proficiency with Microsoft Office, particularly Excel and Word; experience producing formal credit memoranda and presentations

Pay Range

The pay range for this role is: $110,000 - $130,000 USD per year (Anywhere in the US)

Risk

Lake Oswego, OR