Western Equipment Finance

About the role

This is an on-site position at our West Fargo, ND, Devils Lake, ND, Marshall, MN, or Chandler, AZ location. At Western, “what” you know is important, but not as important as how you relate to teammates and customers. Our environment is based on the principles of respect, curiosity, creativity, individual empowerment, and the ability to listen effectively and communicate openly.

Responsibilities

The Senior Credit Analyst is focused on underwriting complex transactions within the organization. The position requires a comprehensive understanding of various industries, credit policies, and guidelines, along with the ability to exercise independent judgment.

• Reviewing customer credit data, preparing and presenting credit memos, and making credit decisions within assigned authority
• Collaborating with the Credit and Sales Departments to assess and underwrite larger financial statement transactions
• Engaging with borrowers to gather crucial information, develop insights into the business, assess management practices, identify risks, and structure loans effectively
• Mentoring, guiding, and training junior credit staff
• Building and nurturing relationships with key borrowers, involving a deep understanding of their businesses, industries, and growth strategies

Requirements

• Bachelor’s Degree in Finance, Economics, or Business-related field required
• 5-7+ years of experience in large ticket underwriting required
• Thorough understanding of cash flow analysis, financial statement analysis and tax returns, and personal credit reports
• Demonstrated ability to write concise financial analysis and more complex credit memoranda
• Formal credit training beneficial

Qualifications

The ideal candidate will have a strong understanding of various industries, credit policies, and guidelines, along with the ability to exercise independent judgment. They will also possess excellent communication and interpersonal skills, with the ability to build and nurture relationships with key borrowers.

Skills

• Comprehensive understanding of various industries, credit policies, and guidelines
• Ability to exercise independent judgment
• Excellent communication and interpersonal skills
• Ability to build and nurture relationships with key borrowers
• High degree of proficiency in Excel and report generation

Benefits

As part of your employment with Western State Agency, you will be eligible for a comprehensive benefits package, which includes:

• Health Benefits: Medical, dental, and vision insurance
• Retirement Benefits: 401 (k), ESOP participation
• Paid Time Off (PTO): PTO, sick leave, and holidays
• Other Benefits: life insurance, employee assistance programs, professional development opportunities, wellness programs, educational assistance

Pay

Starting Salary Range: $67,760.00 - 101,640.00 per year. This is an exempt, salaried position.

Schedule

This is a full-time position. Some travel may be required.