Senior Credit Analyst

Company: Equify Financial, LLC
Location: Fort Worth
Posted on: May 16, 2022

Job Description:

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 its individuals to identify the risk level of extending credit or lending money. This position will be on-site at our facility located at: 777 Main Street, Fort Worth, TX 76102. We do not offer visa sponsorship for this position. About Our Company: Based in Fort Worth, Texas, Equify Financial has a seasoned, professional team covering most of the United States. We---ve assembled a knowledgeable and talented staff with more than 350 years of combined experience in equipment finance lending. We remain committed to sound fiscal and lending practices but base our service to our customers on innovative solutions. That allows us the flexibility to operate beyond the restrictive limitations that bank-affiliated lenders face. Our specialty is offering solutions to customers looking for an alternative to a traditional banking relationship. Benefits: Competitive Base Pay Medical Dental Vision 401(k) Savings Plan Company Match Company-paid Life Insurance and AD&D Company-paid LTD Employee paid additional Life Insurance and AD&D Additional employee-paid coverage includes critical illness, accident insurance, short-term disability, and whole life insurance plans. Paid Holidays Paid Time Off (PTO) Employee Assistance Program Education Assistance 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. 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 and relevant commercial lending experience required. A minimum of five (5) years of work-related skill, knowledge, or experience, is preferred. Using logic and reasoning skills to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems. 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. MBA preferred. Construction, equipment, industrial, and/or transportation equipment experience is preferred. EO Employer LI-BR1

Keywords: Equify Financial, LLC, Fort Worth , Senior Credit Analyst, Professions , Fort Worth, Texas