Credit Analyst

Trans Lease, Inc.; Denver, Northern (CO, KY); Hybrid; USD 70,000 - 110,000; Full time

Benefits offered by this job

Medical, Dental, Vision Insurance

Life & Disability Insurance

401(K) with company match

HSA and/or FSA

PTO, Sick Time, Holidays

Employee Car Discount Program

Job summary

Trans Lease, Inc. seeks a Credit Analyst I, II, or III to join our commercial underwriting team in Denver. The role supports sales, analyzes credit risk, and helps drive timely lending decisions across equipment finance transactions.

The position offers growth, mentoring opportunities, and a full benefits package. Ideal candidates have 0–4+ years in credit analysis or underwriting, with a bachelor’s degree in Finance or Accounting, and a strong foundation in financial statement analysis and

Qualifications

• Experience evaluating commercial credit and underwriting.
• Ability to assess borrower strength, cash flow, collateral and risk.
• Strong communication and analytical abilities required.

Responsibilities

• Analyze and underwrite commercial credit applications using financial data and other sources.
• Evaluate borrower strength, cash flow, guarantor support, and collateral.
• Provide credit recommendations and decisions within authority levels.
• Support originations and manage customer relationships for timely deal execution.
• Develop knowledge of the commercial transportation and equipment finance industries.
• Monitor credit exposure and portfolio risk; mentor junior analysts.
• Contribute to credit policy and underwriting standards.

Skills

Credit analysis

Analytical skills

Excel skills

Communication

Education

Bachelor's degree in Finance or Accounting

Job description

Description

Trans Lease is looking for a Credit Analyst I, II or III to join our growing team. We are open to candidates across multiple experience levels and will determine the appropriate level based on experience, credit judgment, and underwriting capabilities.

This is an opportunity for someone looking to develop their commercial underwriting expertise or for an experienced credit professional ready to independently evaluate complex equipment finance transactions. You'll work closely with Sales and other teams to evaluate credit risk, support customer relationships, and help drive sound and timely lending decisions.

Trans Lease, Inc. is an independent finance company specializing in commercial transportation equipment with more than $1 billion in managed assets and business throughout all 50 states, Puerto Rico, and Canada.

WE OFFER A FULL BENEFITS PACKAGE FOR ELIGIBLE EMPLOYEES INCLUDING:

• Medical, Dental, and Vision Insurance
• Life (Voluntary and Employer Paid) and Disability Insurance
• 401(K) with company match beginning with your first contribution
• HSA and/or FSA, as applicable
• Paid Time Off, Sick Time, and Company Paid Holidays
• Employee Car Discount Program

ESSENTIAL DUTIES & RESPONSIBILITIES:

• Analyze and underwrite commercial credit applications using financial statements, tax returns, credit bureaus, personal financial statements, and other relevant information.
• Evaluate borrower strength, cash flow, guarantor support, collateral, equipment values, and overall transaction risk.
• Determine risk and provide clear, well-supported credit recommendations and decisions.
• Approve, condition, decline, restructure, or elevate transactions within established authority, as applicable.
• Work closely with Sales to support originations, manage customer relationships, and provide timely deal execution.
• Develop strong knowledge of the commercial transportation and equipment finance industries.
• Monitor customer financial performance, credit exposure, and emerging portfolio risks.
• Manage multiple transactions while maintaining efficient turnaround times.
• Support funding activities, including pricing and funding packages, as needed.
• Participate in credit process improvements, special projects, and back-testing.
• Provide mentoring, training, and guidance to other Credit Analysts, as applicable.
• Contribute to credit policy, underwriting standards, and portfolio risk management at the senior level.
• Other duties as assigned.

Requirements

WORK ENVIRONMENT & PHYSICAL ABILITIES:

• Must be able to communicate, providing verbal and written feedback in a professional manner.
• Requires frequent sitting, standing, balancing, bending, or stooping for prolonged periods of time.
• Requires eye-hand coordination and manual dexterity sufficient to operate a keyboard, photocopier, telephone, calculator, and other office equipment.
• Requires normal range of hearing and vision to record, prepare, and communicate appropriate reports.

REQUIRED EDUCATION, EXPERIENCE, KNOWLEDGE & SKILLS:

Credit Analyst I

• Bachelor's degree in Finance, Accounting, or related field.
• Basic understanding of financial statements and strong analytical skills.
• Ideal for someone looking to develop commercial credit and equipment finance underwriting expertise.

Credit Analyst II

• Bachelor's degree in Finance, Accounting, or related field.
• Typically 2–4 years of credit analysis or underwriting experience.
• Ability to independently underwrite transactions and evaluate owner-dependent or limited-disclosure credits.
• Independent approval authority up to $500,000.

Credit Analyst III

• Bachelor's degree required; advanced degree or professional certification is a plus.
• Typically 4+ years of equipment finance, commercial credit, or specialty lending experience.
• Demonstrated ability to underwrite complex, higher-risk, and exception-based transactions.
• Strong credit judgment with the ability to mentor and guide other analysts.
• Approval authority up to $750,000, including appropriate policy exceptions and complex structures.

PREFERRED QUALIFICATIONS:

• Equipment finance, leasing, commercial lending, or specialty lending experience.
• Transportation industry experience.
• Strong financial statement analysis and Excel skills.
• Experience evaluating owner-dependent businesses and limited financial disclosure.
• Strong communication, organization, and decision-making skills.

JOB DETAILS:

• Type: Salary
• Compensation Range: $70,000 – $110,000
• Reports To: Credit Manager
• Shift: M–F 8:00 AM – 5:00 PM
• Closing Date: When Filled

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