Senior Credit Analyst

Company Information: Equify Financial is a privately-owned, independent specialty finance company based in Fort Worth, Texas. We tailor and personalize our services for each client to build a strong relationship and a strong future for their business. We are an independent, collateral-based lender that can service customers at every financial stage of their business. With over 180 years of combined experience in the equipment finance industry, we can provide an extensive amount of knowledge and an in-depth understanding of our customers’ financial circumstances. We help our clients identify areas of growth and find creative solutions that bring more capital to their businesses.

LinkedIn: https://www.linkedin.com/company/equifyfinancialllc/

Website: www.equifyfinancial.com

Position Summary:

• The Senior Credit Analyst is a finance professional who works interdependently to assess credit requests and is responsible for evaluating and underwriting the credit history and financial information of business organizations and individuals to identify the risk level of extending credit or lending money. 

  Essential Responsibilities:

  • Prepare and present written credit reviews for commercial, construction, transportation, and other industrial entities utilizing the Six C’s of Credit.
  • Consult with business owners, executives, and corresponding financial team members to understand, resolve, and provide financial solutions.
  • Analyze commercial and individual credit data and financial statements to determine the degree of risk involved in extending credit.
  • Generate, understand, and explain key financial ratios.
  • Conduct in-depth analysis of financial data to interpret a borrower’s business acumen regarding cash, profitability, asset utilization and growth.
  • Use credit data, financial information, and details of the borrower’s commercial operations to evaluate viability for credit extension through various financial instruments such as term and capital loans, revolving lines of credit, as well as finance and operating leases.
  • Identify key risks and mitigating factors of potential extensions of credit, such as asset types and values, legal and ownership structures, geographic location of business(es), professional reputations, customer bases or industry segments.
  • Prepare detailed reports and recommendations based on risk assessments.
  • Perform risk management techniques to protect the company portfolio.
  • Participate in continuous improvement of systems, processes, and procedures for custody or control of records, collateral, security and other key business activities.
  • Collaborate with internal departments including sales, documentation, funding, collections, and accounting to properly close transactions.
  • Develop specific goals and plans to prioritize, organize, and accomplish work independently and within a team.
  • Develop constructive and cooperative working relationships and maintain them over time.
  • Perform other duties as assigned.

   Required Education and Experience: 

  • Bachelor’s Degree is required.
  • MBA, preferred.
  • A minimum of five to seven (5-7) years of work-related skill, knowledge or experience, is required.
  • Previous experience in a lead or supervisory role is preferred.
  • Previous signing authority of at least $500k or more, highly preferred.
  • Experience using financial ratios, Moody’s, CBRs, PayNet, and other credit metrics to make credit decisions.
  • Ability to apply critical thinking skills to business and credit decisions.
  • Must work well independently and as a member of a team.
  • Ability to safeguard confidential and protected information, familiarity with privacy law and company policy.
  • Familiarity with financial software and tools used for credit analysis.
  • Using logic and reasoning skills to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
  • Construction, equipment, industrial, and/or transportation equipment experience is preferred.

  Physical Requirements:

  • Prolonged periods sitting at a desk and working on a computer.
  •  Must be able to lift 15 pounds at times.
  • Positions self to install equipment, including under desks
  • Moves throughout the building to access files.
  • Able to work under stressful conditions at times.

This job description should not be interpreted as an exhaustive list of responsibilities or as an employment agreement between the employer and the employee. The above statements are intended to describe the general nature and level of work being performed by employees assigned to this classification and are subject to change as the needs of the employer and requirements of the job change.  Any essential functions of this position will be evaluated as necessary should an employee/applicant be unable to perform the functions or requirements due to a disability as defined by the Americans with Disabilities Act (ADA). Reasonable accommodation for the specific disability will be made for the employee/applicant when possible.