Credit Risk Analyst

The Credit Risk Analyst is responsible for making sound credit decisions within required turnaround times investigating and making decisions on credit requests using all available credit resources within the realm of Equipment Leasing & Financing. Required competencies include strong analytical communication negotiation and creative thinking skills with a thorough understanding of automated credit scoring and risk rating analytics. Team players regularly collaborate with other Risk Analysts and inside and outside sales representatives. Regularly communicates with origination documentation and collections/portfolio management departments to resolve risk management issues within appropriate guidelines. Supports automated credit scoring model maintenance and upgrades as needed by facilitating credit scoring enhancements in collaboration with the IT department.

This position is full time and offers a hybrid work schedule requiring you to be in the office Tuesdays and Wednesdays with an 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 from time to time based on business needs.

Requirements

Reviews and analyzes credit scoring metrics and risk ratings and quickly identifies material credit strengths and weaknesses to provide timely credit decisions.

Collaborates as needed with the IT department to maintain an automated credit scoring model and facilitate upgrades to commercial and consumer credit scoring functionality.

Supports credit decisions with scoring model and supplementary data from commercial and personal credit reporting agencies and various web resources including but not limited to D&B Experian Moody s S&P Fitch A.M. Best NAIC and SEC and FDIC filings.

Accurately spreads and analyzes financial statements and incorporates relevant financial metrics into credit reviews.

Review and make decisions on transactions within the assigned authority including recommendations from junior analysts and make recommendations on transactions over the 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 pending applications and facilitates obtaining credit and financial information to decide on pending transactions.

Regularly update system comments to keep all parties informed of the status of all credit applications.

Ensures that dealer and customer concerns are resolved promptly and appropriately undermining risk management standards.

Develops and maintains effective working relationships with inside and outside sales teams and enduser customers.

Negotiates complex credits to obtain favorable lease structures that win business without compromising credit standards.

Seeks guidance as appropriate from supervisors and managers.

Provides coverage support for assigned regions and other regions as required.

Serves as mentor to less experienced or junior credit team members.

Benefits

Medical Dental 401K and Life Insurance

Reviews and analyzes credit scoring metrics and risk ratings and quickly identifies material credit strengths and weaknesses to provide timely credit decisions. Collaborates as needed with the IT department to maintain an automated credit scoring model and facilitate upgrades to commercial and consumer credit scoring functionality. Supports credit decisions with scoring model and supplementary data from commercial and personal credit reporting agencies and various web resources including, but not limited to, D&B, Experian, Moody s, S&P, Fitch, A.M. Best, NAIC, and SEC and FDIC filings. Accurately spreads and analyzes financial statements and incorporates relevant financial metrics into credit reviews. Review and make decisions on transactions within the assigned authority, including recommendations from junior analysts, and make recommendations on transactions over the 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 pending applications and facilitates obtaining credit and financial information to decide on pending transactions. Regularly update system comments to keep all parties informed of the status of all credit applications. Ensures that dealer and customer concerns are resolved promptly and appropriately, 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. Seeks guidance as appropriate from supervisors and managers. Provides coverage support for assigned regions and other regions as required. Serves as mentor to less experienced or junior credit team members.