Credit Analyst

Empire Truck Sales; Richland (MS); On-site; USD 50,000 - 70,000; Full time

Benefits offered by this job

Competitive wages

In-house training

401(k) retirement plan

Medical | Dental | Vision Insurance

Company Paid, Disability Coverage

Drug-free workplace

Job summary

Stribling Equipment, LLC and Empire Truck Sales, LLC in Richland, MS are seeking an experienced Credit Analyst to evaluate credit data and financial information for heavy equipment and truck financing. You will assess risk, support loan approvals, and prepare detailed credit analyses to guide decision-making.

The role requires in-person work at our Richland location, with collaboration across Sales, Supply Chain and internal teams to support customer financing and account management.

Qualifications

• 2+ years of experience as a Credit Analyst.
• Bachelor's degree or equivalent.
• Authorized to work in the United States full-time.

Responsibilities

• Analyze credit data and financial statements to assess lending risk.
• Prepare credit analyses and risk reports for lending decisions.
• Recommend payment structures and financing options.
• Complete loan applications and summaries for approvals.
• Collaborate with Sales, Supply Chain and Marketing to manage exposure.
• Monitor accounts and pursue collections when needed.

Skills

Credit analysis

Financial statement analysis

Risk assessment

Communication skills

Education

Bachelor's degree in Accounting, Finance, Economics, Statistics, Marketing, or related field

Tools

Microsoft Office

Financial software systems

Job description

Stribling Equipment, LLC and Empire Truck Sales, LLC are two of the most respected dealers in the Southeast. With the quality and reliability of great brands like John Deere with Stribling and Freightliner/Western Star with Empire, we are well positioned for continued growth as we continue to develop our markets. Due to our continued growth, we are looking for an experienced Credit Analyst to join our team in Richland, MS (Jackson area).

The Credit Analyst is responsible for evaluating credit data and financial information for individuals and businesses applying for financing for heavy equipment and commercial trucks. This role assesses risk exposure, determines creditworthiness, and supports decision-making on loan approvals, credit limits, and terms, including interest rates. The Credit Analyst prepares detailed financial analyses and credit risk reports to guide management decisions, and collaborates closely with remote sales representatives and internal departments to support customer acquisitions, dealer financing needs, and ongoing account management.

LOCATION: This position is on-site, based in Richland, MS. It is not a Hybrid or Remote position.

Applicants must be authorized to work for ANY employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

Primary Functions:

• Analyze clients' credit data and financial statements to assess lending risk for heavy equipment and commercial truck financing transactions
• Prepare comprehensive credit analysis reports and risk assessments to support equipment loan, lease, and dealer financing decisions
• Review client records and recommend appropriate payment structures, credit terms, and financing options for equipment dealers and commercial trucking operations
• Complete loan applications, credit analyses, and loan summaries for management approval on heavy equipment and commercial vehicle financing requests
• Calculate and interpret financial ratios using internal systems and software to evaluate borrower creditworthiness and asset-based lending riskCommunicate with credit bureaus, credit associations, and trade references to verify credit information for equipment and truck dealership customers
• Collaborate cross-functionally with Sales, Supply Chain, and Marketing to manage credit exposure, floor plan financing, and inventory-related financial orders
• Monitor customer accounts and payment histories to ensure timely collections and reduce risk of past-due accounts or disputes
• Communicate directly with clients to verify financial transactions and resolve credit and collections concerns related to equipment and truck financing

What You Will Need:

• Minimum of 2 years of experience as a Credit Analyst, with credit analysis serving as the primary job function
• Bachelor's degree in Accounting, Finance, Economics, Statistics, Marketing, or a related field, or equivalent relevant experience
• Must be legally authorized to work in the United States on a full-time basis without the need for employer-sponsored work authorization now or in the future
• Regular, in-person attendance is required at one of our three listed locations; reasonable accommodations will be considered in accordance with applicable law

Preferred Qualifications

• Experience financing heavy equipment and/or commercial trucks
• Experience in a fast-paced, high-volume credit and collections environment
• Strong analytical and problem-solving skills
• Proficiency in Microsoft Office and financial software systems
• Excellent written and verbal communication skills
• Ability to manage multiple priorities and meet deadlines
• Competitive Wages
• Exceptional Incentives & Benefits
• Medical | Dental | Vision Insurance
• Company Paid, Employee Short-term & Long-term Disability Coverage
• In-House Training
• 401(k) Retirement Plan

We promote a safe and drug-free workplace. The successful candidate must pass all pre-employment screenings, which include a background check and drug test upon offer acceptance.

Stribling Equipment, LLC, Empire Truck Sales, LLC, and S&G Financial are Equal Opportunity Employers