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