Credit Analyst - Experienced Professional

GreatAmerica; Cedar Rapids (IA); Hybrid; USD 60,000 - 80,000; Full time

Benefits offered by this job

Competitive Compensation

Monthly Bonuses

401(k) and Company Match

Paid Time Off

Gym Reimbursement

Tuition Assistance

Paid Parking

Hybrid work arrangements

Service Awards

Job summary

A leading equipment financing provider in Cedar Rapids, Iowa is seeking a Credit Analyst to handle commercial credit applications. The role involves assessing creditworthiness through thorough investigation and financial analysis. Ideal candidates will have a Bachelor’s degree related to finance, and 2-5 years of experience in commercial lending. This position offers competitive compensation, hybrid work arrangements, and numerous benefits, including health insurance and tuition assistance.

Qualifications

• 2-5 years of experience in commercial lending preferred for the Credit Analyst (Experienced Professional).
• Must demonstrate excellent interpersonal skills for customer interactions.
• Ability to process information quickly and make independent decisions.

Responsibilities

• Perform thorough investigation to formulate credit decisions with written analysis.
• Review and analyze financial statements as applicable.
• Monitor economic and industry conditions and adjust underwriting.
• Communicate decisions and requests directly to vendors or applicants.
• Evaluate and approve new vendor partners and monitor performance.

Skills

Excellent analytical ability

Interpersonal skills

Independent decision-making

Understanding of financial statements

Education

Bachelor’s degree in Finance, Accounting, Economics, or related field

Job description

Credit Analyst - Experienced Professional

Join to apply for the Credit Analyst - Experienced Professional role at GreatAmerica

GreatAmerica Financial Services is a highly successful entrepreneurial company providing equipment financing to businesses across the United States. Our exemplary customer service, our principle-centered business philosophy and our team-based operating approach are key to our success and growth. Do you want to be challenged every day? Do you want a career that allows you to develop professionally? Do you want to be part of a team and a growing and dynamic company?

We Are Looking to Add a Key Member to our Team as a Credit Analyst! Credit underwriting is an exciting and challenging career that allows you to research and analyze businesses across a variety of situations and industries. Being a credit analyst provides continuous learning that equips team members with the skills and knowledge to grow, both individually and as part of a team, and support career advancement.

About This Position

We are looking to add an early talent or experienced Credit Analyst to our team. The Credit Analyst role is responsible for underwriting commercial credit applications supporting our vendor partners selling equipment and other solutions into numerous markets across the United States. The individual in this role will assess creditworthiness through research utilizing sources of business and personal credit, publicly available information, general industry analysis and financial statements as applicable to make independent decisions to extend credit based upon their evaluation. Our typical credit analyst will process multiple credit applications each day. The role provides a broad foundation for risk management within GreatAmerica, supporting career advancement. Our best credit analysts are eager to learn, self-starters and excel at thinking on their feet while making prudent decisions.

Essential Responsibilities

• Perform direct and thorough investigation and obtain relevant credit information to formulate credit decisions, providing written analysis and justification for the decision
• Review and analyze financial statements as applicable
• Monitor changing economic and/or industry conditions and adjust underwriting appropriately
• Communicate decisions or requests for additional information directly to vendor or applicant
• Evaluate and approve new vendor and manufacturer partners and programs, monitor ongoing performance, and interface with sales regarding operational statistics

Qualifications

• A Bachelor’s degree with a major or minor in Finance, Accounting, Economics, or related field
• Demonstrated interpersonal skills are a must as GreatAmerica takes pride in providing an excellent customer experience during every interaction.
• Excellent analytical ability, enjoy making independent decisions, and the ability to process information quickly
• Understanding of financial statements is a plus
• 2-5 years of experience in commercial lending preferred for the Credit Analyst (Experienced Professional)

Financial Benefits

• Competitive Compensation
• Monthly Bonuses for Eligible Employees
• 401(k) and Company Match
• Annual Profit Sharing
• Paid Time Off

Health, Wellbeing, And Family Planning Benefits

• Paid Vacation - starting at 80 hours annually for employees in their first year of service.
• Paid Sick Days - Ten (10) per year with a conversion option for unused time.
• Ten (10) Paid Holidays per year
• Gym Reimbursement
• Health Insurance
• Dental Insurance
• Vision Insurance
• Short-Term and Long Term Disability
• Company Paid Life Insurance
• Flexible Spending Accounts (FSA)
• Health Savings Accounts (HSA)
• Employee Assistance Program
• Parental Leave

Education And Career Planning Benefits

• Tuition Assistance
• Networking Opportunities
• Leadership Development Opportunities

Perks

• Paid Parking
• Service Awards
• Hybrid work arrangements
• Business casual environment
• A strong organizational culture focused on our greatest asset: you!

If your experience aligns closely, please apply. We value diverse backgrounds and adding new perspectives. We encourage you to apply if you can make a strong impact in this role at www.greatamerica.com/careers. Please note, 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.