Senior Risk Analyst

About the Role

As a Senior Risk Analyst at Canon Financial Services, you will make sound credit decisions within required turnaround times, investigate and decision credit requests using all available credit resources, and collaborate with various teams to resolve risk management issues. This role supports automated credit scoring model maintenance and upgrades, and mentors junior team members.

Responsibilities

• Reviews and analyzes credit scoring metrics and risk ratings to quickly identify material credit strengths and weaknesses, providing timely credit decisions.
• Supports credit decisions with scoring models and supplementary data from commercial and personal credit reporting agencies (e.g., D&B, Experian, Moody’s, S&P, Fitch, A.M. Best, NAIC, SEC, and FDIC filings).
• Accurately spreads and analyzes financial statements, incorporating relevant financial metrics into credit reviews.
• Decisions transactions within assigned authority, including recommendations from junior Analysts, and makes recommendations on transactions exceeding assigned authority.
• Monitors credit lines and completes credit line renewals in a timely fashion.
• Structures and appropriately documents credit approvals consistent with risk management guidelines.
• Reviews and approves changes to contract terms and conditions within assigned authority.
• Advises the sales team on pended applications and facilitates obtaining credit and financial information to decision pended transactions.
• Regularly updates system comments to keep all parties informed of the status of credit applications.
• Ensures dealer and customer concerns are resolved timely and appropriately without undermining risk management standards.
• Develops and maintains effective working relationships with inside and outside sales teams and end-user customers.
• Negotiates complex credits to obtain favorable lease structures that win business without compromising credit standards.
• Serves as a mentor to less experienced or junior members of the credit team.
• Completes assigned training on or before the due date with required proficiency.
• Contributes to attaining team and individual goals, including application turnaround, approval ratios, delinquency, and charge-off goals.
• Proactively follows up on pended applications to facilitate timely credit decisions.
• Resolves appeals in a timely manner.
• Facilitates credit scoring maintenance and updates in collaboration with the IT department.
• Handles other responsibilities and special projects as assigned.

Requirements

• Bachelor’s Degree or equivalent, preferably in finance or a related subject.
• At least 5 years of related work experience.
• Bank credit training or other formal credit training is a plus.
• Strong working knowledge of automated credit scoring and financial modeling, including business and consumer scoring model development, adjustments, and maintenance.
• Ability to effectively negotiate and close structured approvals for challenging credits.
• Clear understanding of equipment lease operations.
• Ability to communicate effectively to resolve issues in a professional and congenial manner.
• Working knowledge of lease accounting systems.
• Team player and self-starter with high energy, positive outlook, and professional demeanor.
• Career-oriented with a focus on growth in the equipment finance business.
• Ability to handle multiple tasks and accurately complete assignments within expected time frames in a high-volume environment.
• Working knowledge of Google Workspace (Docs, Sheets, and Slides).
• Strong interpersonal skills, including rapport building, listening, and questioning.
• Ability to work effectively in a fast-paced environment supporting all territories as needed (East, Central, and West zones).

Inventory Finance and/or Hard Asset underwriting experience, and Broker experience are a plus.

Benefits

• Competitive compensation package including medical, dental, and vision.
• 401(k) Savings Plan.
• Discretionary profit sharing.
• Discretionary success sharing.
• Educational assistance.
• Recognition programs.
• Vacation and paid time off.

Pay

Anticipated salary range for this role: $76,150 - $114,040 annually.

Schedule

This position offers a hybrid work schedule requiring you to be in the office Wednesday and Thursday, with the option to work from home the remainder of the week (unless a specific business need arises requiring in-office attendance on other days). Note that work schedules and office reporting requirements may change based on business needs. Beginning July 2026, in-office days will change to Wednesday and Thursday.