Credit Analyst: Data-Driven Underwriting & Risk Review

United Leasing & Finance; Evansville (IN); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Health, Dental, Vision insurance

401(k) with match

FSAs/HSAs

Life & AD&D insurance

Disability insurance

Supplemental insurance

Paid time off

Job summary

United Leasing & Finance in Evansville, IN is seeking a detail-oriented Credit Analyst to evaluate creditworthiness for prospective and existing clients. You will analyze financial statements, credit reports, and data to drive sound lending decisions in a fast-paced environment.

The role emphasizes cash flow, leverage review, guarantor liquidity, and data-driven decisioning, with opportunities for portfolio analytics and improvement initiatives.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field or 10+ years of relevant industry experience in lieu of a college degree.
• Proven experience as a Credit Analyst or similar role in a financial or banking environment
• Strong analytical and problem-solving skills
• Excellent attention to detail and organizational abilities
• Proficiency in financial analysis tools and Microsoft Office Suite
• Knowledge of credit reporting agencies and credit scoring systems
• Effective communication and interpersonal skills
• Ability to work independently and as part of a team in a deadline-driven environment

Responsibilities

• Analyze financial statements, credit reports, and other data to assess clients' creditworthiness.
• Prepare credit reports and recommendations for approval or decline of credit applications.
• Monitor existing clients' credit status and update credit limits as necessary.
• Collaborate with sales and collections teams to manage credit risk effectively.
• Conduct risk assessments and identify potential credit issues proactively.
• Maintain accurate records of credit evaluations and decisions.
• Stay informed about industry trends, economic conditions, and regulatory changes affecting credit policies.
• Track financial covenant compliance and process violations or waivers.
• Maintain internal risk ratings and support syndicated lending reporting.

Skills

Analytical skills

Credit analysis

Financial statements

MS Excel

Communication

Team collaboration

Attention to detail

Risk assessment

Education

Bachelor's degree or 10+ years experience

Tools

PayNet

Credit Bureau

Excel

Job description

United Leasing & Finance in Evansville, IN is seeking a detail-oriented Credit Analyst to evaluate creditworthiness for prospective and existing clients. You will analyze financial statements, credit reports, and data to drive sound lending decisions in a fast-paced environment.

The role emphasizes cash flow, leverage review, guarantor liquidity, and data-driven decisioning, with opportunities for portfolio analytics and improvement initiatives.