Senior Credit Analyst

About the role

The Senior Credit Analyst evaluates and makes credit decisions on new business transactions in alignment with Navitas' credit policies. This role partners closely with Broker Partners to support deal flow and maintain profitable broker relationships, while maintaining sound credit standards.

Responsibilities

• Analyze financial statements, tax returns, credit reports, Dun & Bradstreet reports and other third-party information to determine the borrower's creditworthiness.
• Complete financial spreads and PD templates as required by Navitas' credit policies.
• Make credit decisions on transactions within assigned credit authority and make recommendations on transactions requiring local Credit Committee approval or UCBI Bank approval.
• Correspond with brokers, lessees, banks, and vendors as appropriate to answer specific questions, gain additional information, and appropriately market Navitas Products.
• Maintain existing broker relationships.
• Aid in the development, implementation, and updating of broker programs.
• Review funded transactions as required for auditing purposes.

Requirements

• 4-year College or University degree preferred, or 5+ years related experience and/or training, or equivalent combination of education and experience.
• Computer skills required: Microsoft Office, Excel Spreadsheets.
• Previous equipment leasing/loan industry experience required.
• Prior franchise lending experience is a plus.
• Strong analytical and problem-solving abilities.
• Excellent mathematical and financial modeling skills.
• Highly organized with exceptional attention to detail.
• Ability to prioritize, multitask, and work efficiently under tight deadlines.
• Sound judgment in complex and non-standard scenarios.
• Effective communication skills, including delivering difficult decisions professionally.
• Must be able to resolve problems from both internal and external sources.
• Ability to collaborate across teams and manage competing stakeholder needs.

Conditions of Employment

• Must be able to pass a background & credit check.
• This is a full-time position.
• FLSA Status: Non-exempt.