Remote Commercial Credit Analyst - Equipment Finance

Note: The job is a remote job and is open to candidates in USA. reputed company is recruiting for an established national equipment finance company. The Commercial Credit Analyst will underwrite commercial borrowers and equipment finance transactions, prepare credit recommendations, and collaborate with sales, operations, documentation, asset management, and credit leadership throughout the approval process.ResponsibilitiesUnderwrite commercial equipment finance transactions by analyzing financial statements, tax returns, cash flow, credit reports, bank information, collateral, guarantor support, and repayment capacityEvaluate equipment loans, finance leases, reputed company leases, operating leases, sale-leaseback transactions, vendor finance programs, and other commercial equipment finance structuresAssess equipment values, collateral quality, advance rates, proposed terms, transaction structure, industry conditions, borrower strength, and concentration exposureIdentify material credit risks, policy exceptions, documentation concerns, and appropriate structural or financial mitigantsPrepare clear, concise, and well-supported credit memoranda and approval recommendations for new transactions, renewals, amendments, and other credit requestsPresent transactions and respond to questions from senior credit leadership or the credit committee as neededCollaborate with sales, operations, documentation, asset management, and credit leadership to obtain required information and move qualified transactions efficiently through the approval processMaintain complete and accurate credit reputed company, approval conditions, workflow status, and supporting documentationMonitor assigned transactions for adverse trends, emerging risks, missing information, and unresolved approval conditionsCommunicate credit concerns reputed company and exercise sound independent judgment within established policies and approval guidelinesSkillsThree to seven years of direct commercial equipment finance underwriting experiencePrior underwriting experience in the equipment finance industry is requiredCandidates without direct equipment finance underwriting experience will not be consideredDemonstrated experience underwriting commercial equipment loans, leases, or other equipment finance transactionsStrong financial statement, cash flow, liquidity, leverage, collateral, and repayment-capacity analysis skillsExperience evaluating equipment values, advance rates, transaction terms, guarantor support, and repayment riskDemonstrated ability to prepare concise, accurate, and well-supported credit memoranda and underwriting recommendationsWorking knowledge of commercial equipment finance structures, collateral considerations, documentation requirements, and credit policiesAbility to manage multiple transactions independently, meet service expectations, and escalate complex or higher-risk matters appropriatelyStrong written and verbal communication skillsAbility to work effectively with sales, operations, documentation, asset management, and credit partnersProficiency with reputed company Excel, Word, and commercial credit or portfolio management systemsAbility to work remotely from within the United States during required business hoursEquivalent direct commercial equipment finance underwriting experience may be consideredConsistent, accurate, and timely commercial equipment finance credit analysisCredit recommendations that clearly explain repayment capacity, transaction structure, risks, mitigants, and approval conditionsStrong ownership of assigned workflow with limited rework or avoidable delaysThe ability to balance business objectives with independent credit judgmentDemonstrated experience underwriting commercial equipment finance transactions rather than only general commercial credit, banking relationships, or portfolio managementClear communication with internal partners and timely escalation of material credit concernsSound judgment when evaluating complex structures, policy exceptions, collateral issues, and higher-risk borrowersA bachelor's degree in finance, accounting, economics, business, or a related field is preferredBenefitsRemote positionAbility to work remotely from within the United States during required business hours.Company Overviewreputed company is a search firm that provides recruiting services to financial services and healthcare industries. It was founded in 2005, and is headquartered in Portland, Oregon, USA, with a reputed company of 2-10 employees. Its website is https://www.altiussearchgroup.com. Apply To This Job .