Senior Commercial Credit Analyst – Large Ticket, Equipment Finance

Altius Search Group

Senior Credit Analyst underwriting complex large-ticket equipment finance transactions for a national equipment finance company. Structuring credit, analyzing borrower risk, and advising senior leadership.

Posted 8/20/2026full-timeRemote • Arizona, California, Colorado, Connecticut, Florida, Illinois, Iowa, Maryland, Minnesota, New Jersey, New York, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, Washington, Wisconsin • 🇺🇸 United StatesSenior💰 $100,000 - $130,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in underwriting large-ticket equipment finance transactions, with a strong ability to analyze financial statements and assess risk factors. Proficient in preparing credit memoranda and making independent credit decisions while collaborating effectively with internal teams.

Highest-signal resume keywords

Equipment Finance Credit UnderwritingFinancial Statement AnalysisCredit Memorandum PreparationRisk Assessment and ManagementMicrosoft Excel Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Statement AnalysisCredit UnderwritingRisk AssessmentCredit Memorandum PreparationTransaction StructuringCash Flow AnalysisDebt-Service Capacity EvaluationCollateral AnalysisLiquidity AnalysisLeverage Analysis

Soft Skills

Strong Written CommunicationStrong Verbal CommunicationDetail-OrientedAnalytical MindsetCollaborative

Tools & Technologies

Microsoft ExcelMicrosoft WordFinancial Analysis Tools

Industry Keywords

Large-Ticket TransactionsMiddle-Market BorrowersCorporate BorrowersCredit StandardsProcess ImprovementPortfolio Quality

About the role

Key responsibilities & impact

Underwrite complex, large-ticket equipment finance transactions involving established middle-market and corporate borrowers
Analyze financial statements, cash flow, leverage, liquidity, debt-service capacity, collateral, ownership structures, and other relevant risk factors
Identify transaction strengths, weaknesses, and mitigating factors
Recommend credit structures aligned with business objectives and established risk parameters
Prepare comprehensive credit memoranda and present recommendations to senior credit and executive leadership
Evaluate complex borrower structures, customized programs, and nonstandard terms
Partner with business development professionals to assess transaction feasibility and recommend appropriate structures
Exercise independent credit judgment and manage assigned transactions with limited supervision
Coordinate with legal, documentation, operations, and other internal teams on credit and closing requirements
Complete credit reviews accurately within established service expectations
Support portfolio quality through disciplined underwriting and consistent application of credit standards
Participate in process-improvement initiatives and projects supporting large-ticket business growth

Requirements

What you’ll need

Bachelor’s degree in finance, accounting, business, economics, or a related discipline
At least five years of equipment finance credit underwriting experience
Direct experience underwriting large-ticket, complex, or structured equipment finance transactions
Advanced ability to analyze income statements, balance sheets, cash-flow statements, tax returns, and supporting financial information
Demonstrated experience preparing formal credit memoranda and presenting credit recommendations
Ability to independently identify risk and develop sound, well-supported underwriting conclusions
Strong written and verbal communication skills
Proficiency with Microsoft Excel, Word, and other financial analysis tools
Ability to manage multiple transactions and competing priorities in a fast-paced environment
High degree of professionalism, discretion, and sound judgment when handling confidential information
Detail-oriented with a strong analytical mindset
Confident making independent credit decisions and recommendations
Comfortable working with complex or incomplete information
Collaborative and capable of building productive relationships with sales and operational teams
Solutions-oriented, adaptable, and accountable

Benefits

Comp & perks

Opportunity to join a rapidly growing national equipment finance platform
Collaborative, technology-focused working environment
Meaningful exposure to complex, large-ticket transactions
Opportunities for professional growth and advancement
Competitive compensation
Comprehensive employee benefits package